构建中小企业担保基金深化两岸经济融合发展  

Constructing Guarantee Fund for Small and Medium-sized Enterprises and Deepening the Cross-Straits Economic Integration and Development

作　　者：周颖刚[1] 陈亚建 ZHOU Yinggang;CHEN Yajian(Xiamen University,361005)

机构地区：[1]厦门大学宏观经济研究中心和两岸金融发展研究中心,福建省厦门市361005 [2]厦门大学经济学院,福建省厦门市361005

出　　处：《财经智库》2020年第1期98-116,143,共20页Financial Minds

摘　　要：中小企业融资难、融资贵是现阶段制约中小企业发展的关键问题之一。在此背景下,企业担保在中小企业融资中扮演着重要的角色,而与之相关的系统性风险也开始显现。本文分析了目前大陆融资担保体系和融资担保行业存在的主要问题,并在此基础上,借鉴台湾中小企业信用保证基金的实践经验,提出了构建两岸信用保证基金的相关构想,并率先落地中小创新台商企业信保子基金,探索海峡两岸经济融合发展新路。The difficulty and high cost of financing of small and medium-sized enterprises is one of the key problems restricting their development.In this context,corporate guarantee plays an important role in the fi nancing of small and mediumsized enterprises,and the related systemic risks are beginning to appear.This paper analyzes the main problems existing in the current mainland financing guarantee system and fi nancing guarantee industry.With drawing on the practical experience of Taiwan’s small and medium-sized enterprises’credit guarantee fund,we put forward the relevant concept of building cross-strait credit guarantee fund,landing the small and medium-sized innovative Taiwan business enterprise’s credit guarantee sub fund,exploring a new way of cross-strait economic integration and development.

关 键 词：中小企业融资 企业间担保 信用保证基金 两岸融合发展 

分 类 号：G2[文化科学] G28