中小企业融资信用担保体系参与主体利益冲突与均衡分析  

An Analysis of Participating Subjects′ Benefit Conflict and Consensus in Financing Credit Guarantee System of Small and Medium-sized Enterprises

作　　者：薛菁[1] 侯敬雯[2] 

机构地区：[1]中共福州市委党校,福州350014 [2]上海财经大学公共经济与管理学院,上海200433

出　　处：《商业研究》2012年第6期123-128,共6页Commercial Research

基　　金：福建省社科规划课题一般项目<海峡西岸经济区中小企业融资担保研究-基于担保体系参与主体的利益需求>;项目编号:2011B251

摘　　要：中小企业融资信用担保体系作为一个整体,参与各方的利益相互影响、相互制约。正确认识和处理参与主体间的利益冲突,建立起"共担风险、共享利益"的互助合作机制,有利于中小企业融资信用担保体系切实发挥作用和健康持续发展,而适当的风险分担比例、放大倍数、担保费率、代偿率等指标,既是融资信用担保体系参与各方合理分担融资风险的需要,也是均衡各方经济效益的关键。As a whole,the participating subjects′ benefits in financing credit guarantee system of small and medium-sized enterprises are influenced and restricted each other.Understanding and handling the participating subjects′ conflict correctly and building mutual cooperation system of risk pooling and benefit sharing are advantageous to sustainable development of financing credit guarantee system of small and medium-sized enterprises.Formulating appropriate indexes of allocation of risk,amplificating multiplication,guarantee premium rate,and compensatory rate are the need for the participating subjects′ pooling financing risk reasonably and balancing their benefits.

关 键 词：中小企业融资信用担保体系 利益冲突 指标分析 

分 类 号：F810[经济管理—财政学]