信用担保市场的内在脆弱性分析

文章认为因信息不对称、信用担保体系不健全、竞争不规范等原因导致我国目前的信用担保市场存在明显的内在脆弱性,要防范市场风险,应完善社会征信体系和信用担保体系建设,完善外部监管与行业自律,信用担保公司应坚持效率与稳健并重的经营原则、加强风险管理、完善内控机制。

Analysis of the vulnerability of the credit security market

The present credit security market in China sees obvious vulnerability caused by such factors as unfair accessibility to information, unsound credit security system and substandard competition. In order to guard against market risks, it is imperative to improve the credit checking and security systems, to enhance external supervision and management, and to reinforce the self-discipline of the industry. Credit security companies should emphasize both efficiency and security, enhance risk management and improve the mechanism of internal control.