联合信用担保与科技型中小企业融资机制创新——杭州案例研究  

Innovation on Financing Mechanism for Joint Credit Guarantee and Tech SMEs——Case Study in Hangzhou

作　　者：朱瑞博[1] 华斌[1] 

机构地区：[1]中国浦东干部学院教学研究部,上海201204

出　　处：《征信》2010年第5期52-55,共4页Credit Reference

基　　金：国家社科基金项目(06CJL011);中国浦东干部学院长江三角洲研究院项目(celap2010-YBA-04)

摘　　要：传统的信用担保难以满足科技型中小企业巨大的融资需求。杭州市通过发挥政府资金的引导作用,对科技企业及银行、担保、保险、创投等进行资源整合,初步构建了一个集政策、产品、中介、信息服务于一体的综合性金融服务体系,形成了基于联合信用担保的运行机制和商业模式,在一定程度上化解了科技型中小企业面临的融资困境。The traditional credit guarantee can not meet the huge demand for financing from the tech SMEs. By put- ting the guidance role of government funds into play in Hangzhou, allocating such resources as tech companies, banks, guarantee companies, insurance companies, venture capital investment companies, a comprehensive finan- cial service system has been built with an integration of policies, products, intermediaries, and information serv- ices; and an operating mechanism and business model have come into being based on the joint credit guarantee, which, to some extent, dissolves financial difficulties in the tech SMEs.

关 键 词：联合信用担保 科技型中小企业 融资机制 

分 类 号：F832.39[经济管理—金融学]