摘要
当前我国政策性中小企业信用担保机构信用风险分散机制、信用风险转移机制、信用风险补偿机制尚未真正建立起来。针对此问题,从实证分析的角度论证并找出了构筑政策性中小企业信用担保机构风险防范机制的对策措施。
At present, the main defects in the system of credit risk scattering of credit guarantee organization in our medium-and-small-sized policy enterprises lie in： the sum of unit guarantee slip is too much, the time limit is too long and the assortment is too singular; the main defects in the system of credit risk diversion are that we haven＇t fulfilled the antiguarantee measures to the debtors, the responsibility to share risk between the credit guarantee organization and the coordinated bank is not reasonable, and we are short of credit reguarantee organization, moreover, we have not established the organization of credit-risk compensation. In view of the current situation, from now on, it＇s better for us to establish and consummate the system of credit risk scattering, credit risk diversion and credit risk compensation to solve the problems directly.
出处
《北京理工大学学报（社会科学版）》
2005年第5期54-56,59,共4页
Journal of Beijing Institute of Technology：Social Sciences Edition
关键词
中小企业
政策性信用担保
风险防范机制
medium-and-small-sized enterprises
policy credit guarantee
risk-preventing system
