| 中小企业融资担保风险管理机制的重塑研究 |
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| 引用本文： | 顾海峰.中小企业融资担保风险管理机制的重塑研究[J].南方金融,2011(4). |
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| 作者姓名： | 顾海峰 |
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| 作者单位： | 东华大学旭日工商管理学院,上海,200051 |
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| 基金项目： | 国家社会科学基金项目，中国博士后科学基金项目，教育部哲学社会科学研究重大课题攻关项目，2011年度中央高校基本科研业务费专项资金资助项目 |
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| 摘 要： | 构建中小企业融资担保机制是解决中小企业融资瓶颈的重要途径之一.本文以中小企业融资担保风险分散机理的经济学分析为切入点,基于分散风险的风险管理路径对中小企业融资担保风险管理机制进行重塑,指出该机制主要包括基于银保协作路径的风险分散机制、基于担保投资路径的风险分散机制等两大部分内容,并提出通过准债权和准股权的经营模式拓展融资担保机构的运作空间,进而更好地为中小企业提供服务,促进中小企业发展.
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| 关 键 词： | 中小企业 融资担保 风险管理 担保投资 |
Study on Restructuring Risk Management Mechanism of China Small-medium Enterprises' Finance Guarantee |
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| Gu Haifeng.Study on Restructuring Risk Management Mechanism of China Small-medium Enterprises' Finance Guarantee[J].South China Finance,2011(4). |
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| Authors: | Gu Haifeng |
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| Institution: | Gu Haifeng(Xuri Business and Administration College,Donghua University,Shanghai,200051 China) |
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| Abstract: | To construct a mechanism of Small-Medium Enterprises' Credit Guarantee(SMECG) is a way to mitigate the bottleneck for Small-Medium Enterprises' financing.Using the credit risk inner dispersion mechanism of SMECG as entry point,this paper reconstructs SMECG based on risk management channel and points out that risk dispersion mechanism based on bank-insurance cooperation and on guarantee investment are two of its main contents.It proposes that finance guarantee can be further extended through the forms of qua... |
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| Keywords: | Small-medium Enterprises Finance Guarantee Risk Management Guaranty Investment |
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