摘要
当前中国的融资担保体系以商业性担保机构为主,具有“散、小、乱”的特点,缺乏可持续的发展模式,在放大倍数、覆盖面、担保产品多样性等指标上体现出效率不高。为支持中小企业和创新事业发展,有必要借鉴发达国家地区的行业经验,利用结构性改革和现代金融科技改造融资担保体系,发挥政府在资金补充、风险控制等方面的支持作用,提高融资担保机构对普惠金融的服务能力,构建政银担三方共同参与的可持续商业合作模式。
China's current financing guarantee system is mainly supported by commercial guarantee institutions,which is with the characteristic of"scatter-small-chaos",lacks a sustainable development model,and has low efficiency indicators such as magnification,coverage,and product diversity.In order to support the development of SMEs and innovation,it is necessary to learn from the industry experience in developed countries or districts,transform the financing guarantee system by structural reforms and modern financial technology,let the government play a supportive role in fund replenishment and risk control,improve the ability of financing guarantee institutions to serve the inclusive finance,and build a sustainable business cooperation model that includes government,banks and insurances.
出处
《金融论坛》
CSSCI
北大核心
2019年第7期3-8,39,共7页
Finance Forum
关键词
融资担保
融担体系
担保效率
小微企业
政银担合作
financing guarantee
financing guarantee system
guarantee efficiency
small and micro enterprises
governmentbank-insurance institution cooperation
