民营中小企业融资的交易成本和互助性融资担保  

The Bargaining Cost of Financing and Mutual Secured Financing of Mini and Medium - sized Burgher Enterprises

作　　者：安合祥[1] 张佳[1] 

机构地区：[1]天津财经学院,天津300222

出　　处：《河北大学学报（哲学社会科学版）》2003年第4期99-102,共4页Journal of Hebei University(Philosophy and Social Science)

摘　　要：从剖析民营中小企业陷入融资困境的诱因入手,探讨了民营中小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民营中小企业的融资困难。主张从解决贷款信息咸本和监督成本入手,将培育民营中小企业互助融资担保组织作为解决民营中小企业融资难的一项重要措施。Starting with analyzing the inducements of financing puzzledom of the mini and medium- sized burgher enterprises, the article discussed the countermeasures for mini and medium- sized burgher enterprises to walk away from financing puzzledom. The author thought that high information cost and supervising cost are the dominant reasons. He suggested that fostering mutual secured financing societies of mini and medium- sized burgher enterprises would be an important measure for solving financing puzzledom of mini and medium - sized burgher enterprises.

关 键 词：交易成本 互助性融资担保 风险分散 

分 类 号：F832.39[经济管理—金融学]