摘要
由于我国银行体系不能充分满足中小企业的融资需求,中小企业担保机构成为金融机构与融资中小企业的桥梁。目前,我国三种模式担保机构的共同发展,使社会资源配置更加合理。从对七省十五市的考察中获取204家担保机构作为有效研究样本,利用DEA模型测算不同模式担保机构的融资服务效率。研究结果表明,互助性担保机构最佳,政策性担保机构次之,商业性担保机构最低。进一步分析融资服务效率的影响因素,发现不同模式的主要影响因素各有不同,应由政府、银行、担保机构共同努力,为中小企业担保机构发展提供帮助。
Commercial banks can＇t meet the needs of SMEs financing,so guarantee institutions become the connection between financial institution and SMEs.At present,3 types of guarantee institutions are commonly developed to make social resources allocation more reasonable.To obtain 204 samples from 15 cities in 7 provinces and.We calculated Financing service efficiency of the different guarantee institutions,the results show that mutual guarantee institutions is the best and the second is policy guarantee institutions,the worst is commercial guarantee institutions.We analyzed the Influencing factors of financing service efficiency about different guarantee institutions.In order to help guarantee institutions to develop,we need combined effort from the government,banks and guarantee institutions.
出处
《福建江夏学院学报》
2016年第3期8-15,共8页
Journal of Fujian Jiangxia University
基金
国家社科基金一般项目(14BJY198)
关键词
中小企业融资
担保机构
融资服务效率
影响因素
SMEs financing
guarantee institutions
efficiency of financing services
influence factor
