中小企业融资信用担保体系参与主体合理风险分担研究——以利益均衡为视角  

Study on Participating Subjects' Reasonable Risk Pooling in Financing Credit Guarantee System of Small and Medium-sized Enterprises─—Under the Perspective of Benefit Consensus

作　　者：薛菁[1] 侯敬雯[2] 

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

出　　处：《科学．经济．社会》2012年第2期32-36,共5页Science Economy Society

基　　金：2011年度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"(2011B251)阶段研究成果

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矛盾,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 develop- ment of inancing credit guarantee system of small and medium - sized enterprises. Formulating appropriate indexes of allo- cation of risk, guarantee premium rate, amplificating multiplication, compensatory rate are the need for the participating subjects＇ pooling financing risk reasonably and equilibriuming their benefits.

关 键 词：中小企业融资信用担保体系 利益矛盾 风险分担 

分 类 号：F403[经济管理—产业经济]