优化商业模式,提升融资担保体系服务效率  

Optimize Business Models and Improve the Service Efficiency of Financing Guarantee System

作　　者：张承惠 Zhang Chenghui

机构地区：[1]不详

出　　处：《中国发展评论》2019年第5期20-30,I0020-I0030,共22页China Development Review

摘　　要：一、我国融资担保体系的发展现状与问题(-)融资担保体系发展的简要回顾1999年,原国家经贸委发布《关于建立中小企业信用担保体系试点的指导意见》,确立了我国融资担保体系的架构。在这个设计中,融资担保的操作主体是政府下属的企事业单位,融保体系由地市、省(区、市)、国家三级机构组成,担保业务以地市为基础,各省(区、市)设立再担保机构以分散风险。1.Status Quo and Problems of Financing Guarantee System in China 1.A brief review of the development of the financing guarantee system In 1999,the former State Economic and Trade Commission issued the Guiding Opinions on Establishing a Pilot Credit Guarantee System for Small and Medium-sized Enterprises(SMEs),and established the framework of China's financing guarantee system.In this design,the operators of financing guarantee are the enterprises and institutions subordinate to the government.The financial guarantee system consists of institutions at three levels,i.e.,prefecture・level cities,provinces(autonomous regions and municipalities)and the state.

关 键 词：融资担保体系 国家经贸委 担保业务 中小企业信用担保体系 发展现状与问题 企事业单位 商业模式 分散风险 

分 类 号：F83[经济管理—金融学]