摘要
发展中小企业信用担保体系能有效缓解中小企业融资难问题。以浙江省为例,中小企业信用担保体系存在担保机构自身实力偏弱,资金来源单一且资金补偿机制缺乏,与协作银行之间的沟通与合作欠缺以及中小企业诚信意识较差、信用管理体系不完善等不足。需在借鉴国外中小企业信用担保体系发展经验基础上,采取提高对中小企业信用担保机构发展的扶持力度,建立风险补偿机制和再担保机制,强化中小企业的信用观念和信用管理体系,加强与协作银行之间的沟通,提高从业人员的素质和创新担保业务等有效措施以促进中小企业信用担保体系的完善。
Developing SMEs credit guarantee system is an effective means to solve the problem of financing SMEs.Taking the Zhejiang province as an example,the existing problems are that credit guarantee institution＇s fund scale is small,current margin structure is single and lack of risk compensation mechanism,the connection with cooperative banks is less,the SMEs have a bad faith,credit management system is incomplete.We can learn the experience of the abroad credit guarantee system.Through strengthening the support of credit guarantee institution,building the compensation mechanism and re-guarantee mechanism,strengthening the credit sense of SMEs and management of credit system,strengthening the connecting with the cooperative banks,improving the quality of professional,innovating the guarantee operations,we can promote the improvement of the credit guarantee system.
出处
《湖南财政经济学院学报》
2011年第2期132-135,共4页
Journal of Hunan University of Finance and Economics
关键词
中小企业
信用担保
风险补偿
再担保
SMEs
credit guarantee
risk compensation
re-guarantee
