摘要
目前中小企业"担保难"与担保机构"难担保"问题并存,本文着重对此矛盾进行了理论上的剖析,认为传统担保模式风险收益不匹配是造成此现象的一个关键原因,并据此提炼出了融资担保创新的基本思路。在此框架内,本文对当前几种融资担保创新的实践进行了梳理,探讨总结其创新中的核心点,并试图为几类比较常见的企业设计新的担保体系构架,以期能为更广泛、丰富、实用的担保模式创新提供结构性的参考。
The paper theoretically studies the loan guarantee problem of small-and-medium-sized enterprises and points out that the key issue is the mismatch between risks and benefits under traditional guarantee model. Then the authors propose the framework of financing guarantee innovation, in which, new guarantee system for some enterprises are designed, aiming at facilitating the innovation of loan guarantee model.
出处
《金融研究》
CSSCI
北大核心
2007年第10A期152-165,共14页
Journal of Financial Research
关键词
中小企业
贷款担保
风险收益
风险投资
small-and-medium-sized enterprises
loan guarantee
venture benefit
venture investment
