CAJ | 학술논문

在"一体两翼"式信用担保体系框架下,政策担保、互助担保和商业担保虽然各有特色,但都存在自身难以逾越的发展障碍:政策担保受政府财力制约,互助担保局限于联盟企业,商业担保盈利空间狭小,它们对中小企业融资的贡献都极为有限. 我国中小企业信用担保业必须寻求新的发展路径,笔者为此提出打破现有格局,将政府资本与民营资本融合投资重构中小企业信用担保体系的创新思路. 为了实现政府资本与民营资本的有效融合和优势互补,促进我国中小企业信用担保体系的协调快速发展,还需要研究解决其运行模式、运行机制及配套政策等方面的诸多问题.
재"일체량익"식신용담보체계광가하,정책담보、호조담보화상업담보수연각유특색,단도존재자신난이유월적발전장애:정책담보수정부재력제약,호조담보국한우련맹기업,상업담보영리공간협소,타문대중소기업융자적공헌도겁위유한. 아국중소기업신용담보업필수심구신적발전로경,필자위차제출타파현유격국,장정부자본여민영자본융합투자중구중소기업신용담보체계적창신사로. 위료실현정부자본여민영자본적유효융합화우세호보,촉진아국중소기업신용담보체계적협조쾌속발전,환수요연구해결기운행모식、운행궤제급배투정책등방면적제다문제.
In the credit guarantee framework of "one body, two wings", although the policy guarantee, mutual guarantee and commercial guarantee share their own features, there still exist insurmountable obstacles: policy guarantee restricted by government finance; mutual guarantee limited by the alliance enterprises and the narrow business guarantee profit margins, the contribution of which is extremely limited. It's indispensable for China's SME credit guarantee industry to seek new development path. This paper gives the innovative ideas of integrating government capital with private capital investment to reconstruct the SME credit guarantee system. In order to achieve effective integration and complementary advantages of the government capital with private capital, and promote the coordinated and rapid development of China's SME credit guarantee system, the operation mode, operating mechanism, supporting policies and other problems are also needed to study and solve.