小微企业融资合作联盟的激励相容机制设计与风险控制  

Incentive Mechanism Design and Risk Control of Small Micro-Enterprise Financing Alliance

作　　者：李日新[1] 

机构地区：[1]广东金融学院中国金融转型与发展研究中心,广东广州510521

出　　处：《当代经济管理》2012年第10期79-82,共4页Contemporary Economic Management

基　　金：2012年度国家自然科学基金青年项目<金融创新收益独占性问题研究>(71103045);广东省哲学社会科学"十二五"规划2011年度项目<金融结构转型期广东地方金融监管研究>(GD11CYJ04);2011年中央财政专项资金<金融学省级重点学科建设项目>资助;广东省高校高层次人才项目(2010)

摘　　要：小微企业融资合作联盟作为一种融资合作平台,在增信机制的作用下,有效整合政府部门、金融机构、担保机构和小微企业等各方资源,架起金融机构、担保机构与小微企业交流与沟通的桥梁,产生信用叠加效应,形成政府助保、机构担保、企业互保的"三合一"集合担保模式。创新适合小微企业特点的金融产品,提升为小微企业的金融服务能力,实现银行、担保与企业共同发展,对于缓解中小企业融资困局具有现实的意义。The alliance of small micro-enterprise financing as a financing platform for cooperation, stimulated by trust mechanism, effectively integrates resources from all sources of government departments, financial institutions, guarantee agencies and small micro- enterprises, building a communication bridge among financial institutions, guarantee agencies and small micro-enterprises, resulting in credit superposition effect and a collection of the guarantee model, ＂ triple play＂ , that is to say, government＇s help, institutional guarantees, mutual insurance by enterprises. This paper believes that it is of significance for small and medium enterprises to get rid of a difficult situation through innovating financial products suitable for small micro-enterprise characteristics, upgrading small micro-enterprises financial service capabilities, realizing the common development of bank, guarantee and enterprises.

关 键 词：小微企业 融资合作联盟 集合担保 风险控制 

分 类 号：F271.3[经济管理—企业管理]