中小商业银行与信用担保基金的“双赢”模式初探  

On the Win-Win Modes Between the small and medium-sized Commercial Banks and the Credit Guarantee Funds

作　　者：陈伏利[1] 

机构地区：[1]南京审计学院,江苏南京210029

出　　处：《审计与经济研究》2003年第2期63-64,F003,共3页Journal of Audit & Economics

摘　　要：中小商业银行在国有大银行和外资银行的双重挤压下,需要寻求和培育优质中小企业客户群以谋求 生存和发展。新兴的中小企业信用担保基金在提升中小企业信用水平、减小银行存贷剪刀差、发展地方经济方面 发挥着越来越重要的作用。如何建立中小商业银行与中小企业信用担保基金“双赢”模式已成当务之急。Faced the competition from the large state-owned commercial banks and foreign-funded banks, the small and medium-sized commercial banks have to seek and cultivate the small and medium enterprise customer groups to survive and develop. The newly-developed credit guarantee funds will play a more and more important role in promoting the credit level of the medium and small-sized enterprise in bridging the scissors difference of small banks and in developing local economies. It is urgent to establish the win-win modes between the small and medium-sized commercial banks and the credit guarantee funds.

关 键 词：风险补偿 风险分担 再担保 信用环境 

分 类 号：F830.5[经济管理—金融学]