担保圈有限责任:边界划分与制度安排  

Limited Liability of the Guarantee Circle: Boundary Definition and Institutional Arrangement

作　　者：郑方敬[1] Zheng Fangjing(PBC Binzhou Central Sub-branch, Shandong Binzhou 256621)

机构地区：[1]中国人民银行滨州市中心支行,山东滨州256621

出　　处：《金融发展研究》2016年第12期77-81,共5页Journal Of Financial Development Research

摘　　要：通过本案例实证研究认为,当前普遍发生的企业担保圈风险,实际上是金融机构无限责任预期与有限责任落实之间冲突的必然反映;企业间的风险代偿和政府救助无法满足这种无限责任预期;认同并推行有限责任,重塑担保文化和相关规则,实施公正的第三方责任认定将成为一种必然趋势。本文据此进行了相应的政策设计和制度安排。Through the empirical study of this case, this paper believes that the enterprises guarantee circle risk that is commonly occurring is actually the inevitable reaction to the conflict between the financial institutions＇ unlimited liability expectancy and execution of limited liability. The complementary risks and government aid between enterpris- es can＇t satisfy this kind of unlimited responsibility expectancy. It believes in and promotes limited liability, reshapes the guarantee culture and related rules, and the implementation of a fair third-party recognition will become an inevita- ble trend. This paper provides corresponding policy design and institutional arrangement according to the results.

关 键 词：担保风险 有限责任 边界定位 第三方认定 

分 类 号：F830[经济管理—金融学]