加快建立中小企业信用担保机构与商业银行的风险分担制度  

On the Establishment of SME Credit Guarantee Institutions and Risk-sharing System of Commercial Banks

作　　者：王静娅[1] 

机构地区：[1]河南工业大学经济贸易学院,郑州450001

出　　处：《企业活力》2010年第7期83-85,共3页Enterprise Vitality

基　　金：河南省2009年科技发展计划软科学项目"中小企业信用担保的信用风险管理研究"(编号:092400420031)的阶段性成果

摘　　要：中小企业信用担保机构作为一种能够承担高风险和提供增值服务的非银行金融机构,为中小企业的融资与发展带来了积极而特殊的意义。就我国目前而言,担保机构与协作商业银行的银担合作现状并不乐观。正确处理二者关系的关键是要从根本上尽快建立利益共享下的风险分担制度,这对双方平等持久合作、共同防范控制风险,对银担企三方之间融资活动的顺利开展等方面都起着十分重要的作用。SME credit guarantee institutions,as non-bank financial institutions which is a way to take high risks and provide value-added services,bring a positive and special significance to the financing and development of SME.For present situation in our country,the cooperation between the security agencies and commercial banks is not optimistic.The key to handle the relations between the two correctly is to establish a risk-sharing system under the benefit-sharing fundamentally,which plays a very important role in not only sustained cooperation and prevention and control of risk of both sides,but also in the corporation of financing activities among security agencies,commercial banks as well as enterprises.

关 键 词：信用担保 风险分担制度 保证担保法律关系 

分 类 号：F830.33[经济管理—金融学]