摘要
小额信贷担保基金已经成为中小企业和低收入群体融资贷款的重要增信资源,其设立也是包容性金融体系构建的重要一环。本文介绍了小额信贷担保基金现有法律制度的框架,重点分析了担保基金的运作方式、风险防范与分担机制,进而指出现有法律制度存在相关主体法律责任缺失、基金运作与监管行政化等问题,并针对这些问题提出了制定统一高位阶的法律法规、设立专业独立的运作与监管机构、提取适当风险准备金、发展再担保与再保险等创新设计等建议。
Micro-credit guarantee fund has already become the important resources of increasing loans to the small and medium-sized enterprises and the low income group, which is also the important link in the establishment of an in- clusive financial system. This paper introduces the framework of the existing legal system of micro-credit guarantee fund, and then analyzes its main contents. The operation mode and the prevention and sharing mechanism of risks are analyzed as an emphasized portion. After exploring the problems such as the lack of legal responsibility of the legal sys- tem and the administrative trend in the operation and supervision of the fund, the paper puts forward some policy rec- ommendations, which includes enacting the unified laws and regulations of a higher order, establishing the profession- al and independent operation and regulatory agencies, extracting the appropriate risk reserve and developing innovative designs such as the re-guarantee and reinsurance.
出处
《金融发展研究》
北大核心
2015年第11期69-73,共5页
Journal Of Financial Development Research
关键词
金融包容
小额信贷
担保基金
担保机构
financial inclusion, micro-credit, guarantee fund, guarantee agency
