深圳市银行与信用担保机构合作模式分析  

An analysis of the cooperative mode of the banks and the credit guarantee institutions in Shenzhen

作　　者：陈晓红[1] 谢丽辉[1] 张锴雍 

机构地区：[1]中南大学工商管理学院,湖南长沙410083 [2]深圳中科智担保有限公司,广东深圳518000

出　　处：《中南工业大学学报（社会科学版）》2002年第2期159-162,共4页Social Science Journal For Central South University of Technology

摘　　要：通过对深圳市银行与 3家专业担保机构合作现状的分析 ,认为银行要全面展开对中小企业特别是符合国家产业政策的高科技型企业的融资服务 ,必须与担保机构建立良好的协作关系。同时指出银行与担保机构合作的障碍主要在于合作模式单一、对企业的评估方法不一致 ,提出建立新的企业评估体系及银行与担保机构成立服务体系联盟的观点。Through the analysis of the current cooperation between the banks and three professional guarantee institutions in Shenzhen, this paper makes clear that overall financial service should be carried out by banks for small and medium sized enterprises, especially for hi tech enterprises to which the state industrial policies apply, and that the sound cooperative relations between banks and guarantee institutions should be established. Meanwhile, it points out that the main obstacle to the cooperation lies in the single cooperative mode and inconsistent approaches to evaluating an enterprise. It suggests establishing a new enterprise evaluation system and a joint service system of banks and guarantee institutions.

关 键 词：信用担保机构 深圳银行 高科技企业 风险控制 

分 类 号：F830.39[经济管理—金融学]