福建省中小企业信用担保影响因素研究  

A Research on Factors Which Exert Influences in Credit Guarantee for Small-& Medium-Sized Enterprises in Fujian Province

作　　者：邵宁[1] 徐青[1] 黄惠玲[1] 

机构地区：[1]福建金融职业技术学院,福建福州350007

出　　处：《福建金融管理干部学院学报》2008年第5期13-17,共5页Journal of Fujian Institute of Financial Administrators

基　　金：福建省教育厅课题<福建省中小企业融资担保研究>;项目编号JIAO723S;阶段性研究成果

摘　　要：银行贷款目前是中小企业融资的首选途径,但不能提供足够的信用担保使得多数中小企业无法获得及时足额的贷款。本文通过对福建省Z市的中小企业信用担保机构的深入调研,从政府、企业自身、资信评级机构以及担保机构四个角度,分析了影响福建省中小企业信用担保的主要因素,并提出了相应建议和措施。At present, loans from banks is the first choice for small- and medium-sized enterprises to be financed. Because of no ability to provide enough credit guarantee, many small- and medium-sized enterprises were unable to get loans. By examining the cases in the some cities in Fujian Province, this article analyses the main factors resulting from the government, the enterprises themselves, rating organizations and guarantee organizations which exert influences to prohibit small- and medium-sized enterprises getting credit guarantee and some suggestions were given.

关 键 词：中小企业 信用担保 影响因素 

分 类 号：F270.7[经济管理—企业管理]