金融类准公共产品供给的制度设计与有效性分析——青岛市小企业贷款风险补偿金案例  

Financial Quasi-public Goods Supply Institutional Arrangement and Validity Analysis——Qingdao Small Firms Loan Risk Compensation

作　　者：康彦华[1] 赵映光[2] 

机构地区：[1]中国人民银行固原市中心支行,宁夏固原756000 [2]中国人民银行青岛市中心支行,山东青岛266071

出　　处：《金融发展研究》2011年第11期47-50,共4页Journal Of Financial Development Research

摘　　要：贷款风险补偿等性质的金融类准公共产品,由于实施过程中诸多因素的限制并未发挥应有的效用。青岛市小企业贷款风险补偿制度由前期的集中于对担保公司和大企业的风险补偿设计,逐步演变为差别性置换银行不良资产的独特风险补偿机制,实现了小企业贷款风险补偿供给效用目标的准确性,发挥了金融类准公共产品供给的有效性及其可持续性,具有较好的借鉴意义。Financial quasi-public goods with loan risk compensation features, have limited effect because of some factors in implication process. Qingdao small firm loan risk compensation fund, which risk compensation is firstly on guarantee companies and large firms and then bank to transfer non-performing assets, can realize the supply effect of small firm loan risk compensation, and take advantages of financial quasi-public goods, and ease the finance problem of small firms.

关 键 词：准公共产品 制度设计 小企业贷款 风险补偿 

分 类 号：F830.5[经济管理—金融学]