完善我国中小企业信用担保制度设计探讨  

Probing into Perfecting Institutional Design of Credit Guarantee for China's SMEs

作　　者：施继元[1] 褚华[2] 

机构地区：[1]上海金融学院金融系,上海201209 [2]复旦大学经济学院,上海200135

出　　处：《河南金融管理干部学院学报》2007年第3期50-55,共6页Journal of Henan College of Financial Management Cadres

摘　　要：中小企业信用担保制度是缓解中小企业融资难问题的一种解决方案。我国中小企业信用担保制度存在担保机构规模偏小、担保放大倍数较低、担保资金来源中政府资金比例不高等问题,完善我国中小企业信用担保制度的对策主要有:明确担保基金来源的主体,广开财源;革新信用担保业务流程,组合担保和个案担保相结合;建立再担保制度,淡化反担保;设置合理的担保比率,不提倡100%担保;等等。A credit guarantee institution for small and medium -sized enterprises（SMEs） is a solution to their financing dilemma problems. Such problems exist in this institution, as the size of guarantee institutions being too small; amplifying multiple of guarantee rather low; the proportion of governmental funds in the sources of guarantee funds not big; etc. The countermeasures perfecting the credit guarantee institution for SMEs are mainly as follows： specifying main entity of guarantee fund resource for amplifying exchequers ; innovating credit guarantee transaction procedure and combining mix guarantee with individual guarantee; establishing re- guarantee institution, desalting counter -guarantee; setting reasonable guarantee ratio with no advocating of 100% ratio, etc.

关 键 词：中小企业 信用担保 制度设计 

分 类 号：F830.2[经济管理—金融学] F275.1