完善海西中小企业融资信用担保制度的思考——基于福建省中小企业、担保机构需求的调查  

Study on Improving Financing Credit Guarantee System of Small and Medium-sized Enterprises in the West strait Economic Zone:Based on Demand Survey of SME and Financing Credit Guarantee Enterprises

作　　者：薛菁[1] 

机构地区：[1]中共福州市委党校,福建福州350014

出　　处：《福建行政学院学报》2012年第2期106-112,共7页Journal of Fujian Administration Institute

基　　金：2011年度福建省社科规划课题一般项目(2011B251)

摘　　要：福建省中小企业融资需求和融资担保机构对中小企业融资业务利益诉求的调查表明中小企业、信用担保机构、贷款银行间的利益冲突是难以避免的。正视当前融资担保体系中的利益冲突,建立起"共担风险、共享利益"的利益协调机制,是完善中小企业融资信用担保体系的重点,而担保制度、金融制度、信用制度的创新与完善,政府的支持和推动是当前的可行选择。The survey of SME＇ financing demand and financing credit guarantee enterprises＇ benefit demand in Fujian province showed that the benefit conflict between SME, financing credit guarantee en- terprises and banks was inevitable. Facing up to the participating subjects＇ benefit conflict and setting up mutual cooperation system of risk pooling and benefit sharing were the key to improve financing credit guarantee system of Small and Medium-sized Enterprises, while the innovation and improvement of guarantee system, financing system, credit system and government support are the feasible counter- measures at present situation.

关 键 词：中小企业 融资信用担保体系 利益需求 制度创新 

分 类 号：F276.3[经济管理—企业管理]