组织增信与有限责任联保增信的有效结合:牟平区“助保金”贷款案例  

Effective Integration of Organizational Credit Addition and Mutual Guarantee with Limited Responsibility

作　　者：李信见[1] 袁雪莉[1] 姜全[1] 

机构地区：[1]中国人民银行烟台市中心支行,山东烟台261041

出　　处：《金融发展研究》2012年第8期39-42,共4页Journal Of Financial Development Research

摘　　要：为了克服"担保难"这一中小企业融资瓶颈,多种担保模式创新不断涌现。山东省烟台市牟平区"助保金"贷款,通过"重点中小企业池"中的企业以缴纳助保金的形式进行联保,加上政府提供的风险补偿金的保证,拓展了中小企业的融资边界。这一模式,实现了企业信用增级和信用信息经济价值转化。In order to overcome the difficulty of guarantee which restricts the financing of SMEs, there appear manykinds of guarantee mode. In the Muping district of Yantai, there is a new kind of guarantee mode named ＂guarantee-assistant fund＂, which select some SMEs to comprise a pool. Enterprises guarantee each other by paying guarantee-assistant fund, and government supply risk compensation, so as to expand the extent of SMEs financing. ＂Guarantee-assistant fund＂ loan fully utilize the soft credit information of enterprises, and realize the upgrade of credit and value of credit information by organizational credit addition and mutual ~uarantee credit addition.

关 键 词：助保金贷款 组织增信 有限责任联保 

分 类 号：F830[经济管理—金融学]