民营企业融资和民间互助担保组织的培育  

On the Non-governmental Business Financing and the Cultivation of the Non-governmental Mutual-helping guarantee Organizations

作　　者：安合祥[1] 

机构地区：[1]天津财经学院金融系,天津300222

出　　处：《现代财经（天津财经大学学报）》2003年第2期30-32,51,共4页Modern Finance and Economics：Journal of Tianjin University of Finance and Economics

摘　　要：本文从剖析民营企业陷入融资困境的诱因入手 ,探讨了民营企业走出融资困境的对策 ,认为贷款信息成本和监督成本过高是民营企业融资难的主因 ;所有制歧视 ,政府对社区合作金融的不当干预加重了适应企业的融资困难。主张将培育民营中小企业互助融资担保组织作为解决民营企业融资难的一项重要措施。By analyzing the difficulties that the non-governmental business met in financing, this article discusses the countermeasures for the non-governmental business stepping out of the dilemma. It draws the conclusion that the higher cost of loan information and supervision is the main reason why the non-governmental businesses are meeting difficulties in financing. The ownership discrimination and the improper intervention of the co-operative finance by the government aggravate the difficulty for the enterprise to finance. At last this article claims that cultivating the mutual financing guarantee organizations of the non-governmental business is an important measure in solving the non-governmental business's difficulties in financing.

关 键 词：信息成本 互助性融资担保 风险分散 

分 类 号：F830.7[经济管理—金融学]