商业性担保机构制度机制约束及化解策略——基于江苏、湖北、四川的调查分析  

Commercial Guarantee Agencies Institutional Constraint Mechanism and Resolving Strategy——Based on the Investigation and Analysis of Three Provinces of Jiangsu,Hubei and Sichuan

作　　者：文学舟[1] 代力[1] 谭中明[2] 

机构地区：[1]江苏大学管理学院,江苏镇江212013 [2]江苏大学财经学院,江苏镇江212013

出　　处：《征信》2015年第9期59-64,共6页Credit Reference

基　　金：国家社会科学基金项目(13BGL038);教育部人文社会科学研究规划基金项目(10YJA630140)

摘　　要：在对江苏、湖北、四川3省95家商业性担保机构问卷调查的基础上,系统归纳了我国商业性担保机构在经营过程中面临的制度机制约束,如担保相关法律法规及配套制度有待继续完善、注册资本偏低及出资制度不完善、缺乏健全的担保运营机制等。为保证商业性担保机构可持续发展,应构建完备的担保法律法规及相关政策体系、逐步完善担保出资制度及运营机制、完善担保机构内部治理机制、构建系统的担保风险管理体系。On the basis of questionnaire survey of 95 commercial guarantee institutions in three provinces, i. e. Jiangsu, Hubei and Sichuan, a systemic summary is made on such institutional mechanism constraints for commer-cial guarantee agencies in the process of their operation in China, as the laws and regulations related to guarantee and complementary institutions awaiting to be improved, too low registered capital, imperfect investment system, lack of a sound guarantee operation mechanism, etc. In order to ensure the sustainable development of commercial guarantee agencies, it’ s necessary to build complete laws and regulations regarding guarantee and relevant policy systems, gradually improve security investment system and operation mechanism, perfect the internal governance mechanism for guarantee agencies, and build systemic guarantee risk management system for guarantee agencies.

关 键 词：商业性担保机构 注册资本 制度约束 机制约束 担保 风险管理 

分 类 号：F830.39[经济管理—金融学]