我国中小企业融资担保信用风险的补偿路径研究  

Study on Compensation Channels to Credit Risk of Small-Medium Enterprises' Loan Guarantee

作　　者：顾海峰[1] 

机构地区：[1]上海财经大学金融学院博士后流动站,上海200433

出　　处：《税务与经济》2009年第4期35-39,共5页Taxation and Economy

基　　金：国家社科基金项目(项目编号:07CJY062)阶段性成果

摘　　要：构建中小企业信用担保机制是解决中小企业融资瓶颈的重要途径。作为金融市场的重要组成部分,中小企业信用担保市场承担着重要的金融功能。依据信用担保风险外部补偿理论,应建立以政府财政为主导的外部补偿机制,以实现我国中小企业信用担保的风险外部补偿目标。为应对各种不同程度风险的可能兑现,应建立有计划的信用担保风险自留机制,这种风险自留机制可以实现我国中小企业信用担保的风险内部补偿目标。The credit risk outer compensation mechanism to Small-medium Enterprises＇ Credit Guarantee from construction to mainly based on government finance captical compensation channel. Moreover, it also constructs the credit risk inner compensation mechanism to Small-medium Enterprises＇ Credit Guarantee from construction tomeehanism based on risk self-deposits , and it fufils guarantee credit risk compensation system goals. It is very important to China small-medium credit guarantee profession persisting development. Which develops and deepens the risk theory of small-medium credit guarantee, and offers the important theorentical reference, possessing the very important theorrfical and practical significance.

关 键 词：中小企业信用担保 融资 信用风险 

分 类 号：F830.9[经济管理—金融学]