| | | | | 建立和健全中小企业信用担保体系 | | | 曹凤岐 | | | 要解决中小企业贷款难的问题 ,当前最重要的是建立起完善的中小企业信用担保体系。中国开展中小企业信用担保业务 ,建立完善的信用担保体系是十分必要的 :1 为中小企业进行信用担保 ,可以为中小企业提供相对公平的融资环境。 2 开展中小企业信用担保业务 ,可以分散银行风险 ,优化银行资产质量。 3 开展中小企业信用担保业务 ,是进行投资体制改革的一项重要配套措施。 4 开展中小企业信用担保 ,是推动科技进步 ,实现科技与经济相结合的重要途径。在建立中国信用担保体系过程中 ,日本和韩国的经验值得中国借鉴。中国必须建立完善的中小企业信用保证体系 ,信用保证业务必须向规范化、法制化方向发展。1 应当充分发挥政府在信用担保体系建立过程中的特殊作用。 2 建立担保机构风险补偿机制。 3 建立担保基金和再担保基金制度。 4 建立完善的中小企业资信评级制度。
【作者单位】：北京大学光华管理学院 北京100872
【关键词】：中小企业;信用担保;风险补偿机制;资信评级制度
【分类号】：F276.3
【DOI】：cnki:ISSN:1002-7246.0.2001-05-004
【正文快照】：
一、中小企业发展过程中的融资障碍 目前 ,民营企业已经成为国民经济的重要组成部分 ,民营经济对国民经济和社会发展的贡献越来越大。中小企业 ,尤其是中小民营企业迅速发展的同时 ,也遇到很多问题。其中 ,资金紧张 ,融资渠道狭窄已成为制约中小企业发展的重要因素。中国的中小民营企业经过十多年的发展 ,目前已基本完成了资本积累的初创阶段 ,上升到了一个新的阶段。在这一阶段中仅仅依靠企业的自有资金远远满足不了企业发展的需要。目前民营企业融资渠道十分狭窄 ,除了少数大型知名企业 ,一般的民营企业融资能力都有限。目前 ,企业的融… | | |  推荐 CAJ下载  PDF下载 | | | CAJViewer7.0阅读器支持所有CNKI文件格式，AdobeReader仅支持PDF格式 | | | | Building up a Perfect Credit Bail-out Systems for Small & Medium-sized Enterprises(SMEs) | | | Cao Fengqi | | | To solve the problems of small and medium-sized enterprises′(SMEs) difficulties in loaning,the most important thing is to establish perfect bill-out systems for SMEs.It is necessary for China to develop bail-out for SMEs and build perfect credit bail-out Systems because:1. Bail-out can provide a fair financing circumstance for SMEs.2.Developing bail-out business can diversify banks′ risks and improve the quality of banks′ assets.3.bail-out for SMEs is an important supporting measure for the reform of investment institution.4.Developing bail-out business can greatly promote the progression of science and technology and combine science,technology and economy just as binder.On establishing China′s bail-out system,the experience of Japan and South Korea is worth to be used for reference.China should set up the SMEs credit bali-out system,which should operate under the regulation framework.1.The government should play an important role in setting up credit bail-out system.2. To set up a credit bail-out risk-compensation system.3. To set up the guarantee fund and re-insurance fund.4. To set up the SMEs credit-evaluation system.
【Keyword】：small & medium-sized Enterprises,credit bail-out, risk-compensation system, credit-evaluation system |
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