| 中小企业融资信用担保体系参与主体利益冲突与均衡分析 |
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| 引用本文： | 薛菁,侯敬雯.中小企业融资信用担保体系参与主体利益冲突与均衡分析[J].商业研究,2012(6):123-128. |
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| 作者姓名： | 薛菁 侯敬雯 |
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| 作者单位： | 1. 中共福州市委党校,福州,350014
2. 上海财经大学公共经济与管理学院,上海,200433 |
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| 基金项目： | 福建省社科规划课题一般项目 |
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| 摘 要： | 中小企业融资信用担保体系作为一个整体,参与各方的利益相互影响、相互制约。正确认识和处理参与主体间的利益冲突,建立起"共担风险、共享利益"的互助合作机制,有利于中小企业融资信用担保体系切实发挥作用和健康持续发展,而适当的风险分担比例、放大倍数、担保费率、代偿率等指标,既是融资信用担保体系参与各方合理分担融资风险的需要,也是均衡各方经济效益的关键。
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| 关 键 词： | 中小企业融资信用担保体系 利益冲突 指标分析 |
An Analysis of Participating Subjects' Benefit Conflict and Consensus in Financing Credit Guarantee System of Small and Medium-sized Enterprises |
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| XUE Jing
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HOU Jing-wen.An Analysis of Participating Subjects' Benefit Conflict and Consensus in Financing Credit Guarantee System of Small and Medium-sized Enterprises[J].Commercial Research,2012(6):123-128. |
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| Authors: | XUE Jing HOU Jing-wen |
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| Institution: | 1.The Party School of Fuzhou,Fuzhou 350014,China;2.School of Public Economics and Administration,Shanghai University of Finance and Economics,Shanghai 200433,China) |
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| Abstract: | As a whole,the participating subjects′ benefits in financing credit guarantee system of small and medium-sized enterprises are influenced and restricted each other.Understanding and handling the participating subjects′ conflict correctly and building mutual cooperation system of risk pooling and benefit sharing are advantageous to sustainable development of financing credit guarantee system of small and medium-sized enterprises.Formulating appropriate indexes of allocation of risk,amplificating multiplication,guarantee premium rate,and compensatory rate are the need for the participating subjects′ pooling financing risk reasonably and balancing their benefits. |
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| Keywords: | financing credit guarantee system of small and medium-sized enterprises benefit conflict index analysis |
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