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CREDIT REFERENCE
2015年
9期
59-64
,共6页
商业性担保机构%注册资本%制度约束%机制约束%担保%风险管理
商業性擔保機構%註冊資本%製度約束%機製約束%擔保%風險管理
상업성담보궤구%주책자본%제도약속%궤제약속%담보%풍험관리
commercial guarantee agencies%registered capital%institutional constraints%mechanism constraints%guarantee%risk management
在对江苏、湖北、四川3省95家商业性担保机构问卷调查的基础上，系统归纳了我国商业性担保机构在经营过程中面临的制度机制约束，如担保相关法律法规及配套制度有待继续完善、注册资本偏低及出资制度不完善、缺乏健全的担保运营机制等。为保证商业性担保机构可持续发展，应构建完备的担保法律法规及相关政策体系、逐步完善担保出资制度及运营机制、完善担保机构内部治理机制、构建系统的担保风险管理体系。
在對江囌、湖北、四川3省95傢商業性擔保機構問捲調查的基礎上，繫統歸納瞭我國商業性擔保機構在經營過程中麵臨的製度機製約束，如擔保相關法律法規及配套製度有待繼續完善、註冊資本偏低及齣資製度不完善、缺乏健全的擔保運營機製等。為保證商業性擔保機構可持續髮展，應構建完備的擔保法律法規及相關政策體繫、逐步完善擔保齣資製度及運營機製、完善擔保機構內部治理機製、構建繫統的擔保風險管理體繫。
재대강소、호북、사천3성95가상업성담보궤구문권조사적기출상，계통귀납료아국상업성담보궤구재경영과정중면림적제도궤제약속，여담보상관법율법규급배투제도유대계속완선、주책자본편저급출자제도불완선、결핍건전적담보운영궤제등。위보증상업성담보궤구가지속발전，응구건완비적담보법율법규급상관정책체계、축보완선담보출자제도급운영궤제、완선담보궤구내부치리궤제、구건계통적담보풍험관리체계。
On the basis of questionnaire survey of 95 commercial guarantee institutions in three provinces, i. e. Jiangsu, Hubei and Sichuan, a systemic summary is made on such institutional mechanism constraints for commer-cial guarantee agencies in the process of their operation in China, as the laws and regulations related to guarantee and complementary institutions awaiting to be improved, too low registered capital, imperfect investment system, lack of a sound guarantee operation mechanism, etc. In order to ensure the sustainable development of commercial guarantee agencies, it’ s necessary to build complete laws and regulations regarding guarantee and relevant policy systems, gradually improve security investment system and operation mechanism, perfect the internal governance mechanism for guarantee agencies, and build systemic guarantee risk management system for guarantee agencies.
