中小企业信用担保风险控制对策分析

银行等债权人对中小企业惜贷、慎贷的主要原因是债权效力不足或不强，而非信息不对称、信贷配给受限等。强化和补充债权效力的有效途径应是在主债之外另附信用担保。针对担保信用的放大性、风险的离散性和与经济周期非同步性等自身固有的缺陷，应实现信用担保协议合同化、从业人员专业化、信用担保机构多元化，并对信用担保设定反担保和再担保。

Countermeasures Analysis on Credit Guarantee Venture Control System for Small & Medium Enterprises

The main reason for bank loaning carefully and cautiously to small & medium enterprises is the scarcity and weakness of claims effect,not the information asymmetry and the limit of credit rationing and so on.The effective way to strengthen and add the effect of claims is attaching credit guarantee beyond master bond.Against the inherent self-defects,such as the amplification of guarantee credit,the discrete risk and the asynchrony of economic cycle,it is better to realize the contracting of credit guarantee...