融资性担保公司发展路径研究  

作　　者：罗贤东[1] 余秀华[1] 

机构地区：[1]上饶师范学院经济与管理学院

出　　处：《企业经济》2017年第6期187-192,共6页Enterprise Economy

基　　金：江西省高校人文社会科学研究项目课题"中小企业融资中的信用担保体系建设研究"(项目编号:FX1224)

摘　　要：融资性担保公司为解决中小企业融资难问题发挥了重要作用。但是,由于担保公司承担连带责任保证责任、风险大收益小、资本金不足、抗风险能力弱、担保债权难获追偿、法人治理结构以及经营管理体系不完善等原因,导致生存发展困难。融资性担保公司应着重在内部管理上完善法人治理结构、经营规则和风险控制体系及风险预警系统,在外部经营上合理确定三大业务的构成比例、探索再担保等分散风险经营机制、利用多种手段抓好追偿等。国家应该立法强制性规定融资性担保公司承担一般保证责任、建立完善中小企业信用评价体系等,为融资性担保公司发展提供支持,使融资性担保公司获得健康发展。Resolving medium-sized and small enterprises＇ capital demands, the financing guarantee companies have played important roles. Because of joint liability guarantee, high risks and small profits, insufficient capital, weak ability to resist risks, difficulty for recovering the secured debts, imperfect corporate governance structure and management system, the financing guarantee companies are hard to survive and develop. In order to develop healthily, the financing guarantee companies must perfect corporate governance structure, management rules, risk control system and risk early warning system in internal management, determine reasonably the proportions of the major three businesses, explore dispersion risk management system such as re guarantee, and recover debts by various means in external management. The government shall legislate to assume general guarantee duty by the financing guarantee companies, and perfect credit evaluation system to support the financing guarantee companies.

关 键 词：融资性担保公司 信用担保 一般保证 追偿 

分 类 号：F272.3[经济管理—企业管理]