担保行业发展调查与思考——以陕西省为例

当前,担保机构在缓解中小企业融资难方面发挥了重要作用。本文在对陕西省担保行业全面调查的基础上,从担保行业自身行为、银保合作、政府政策支持、外部信用环境等方面分析了担保行业存在的主要问题,并提出培育和规范担保行业发展的相关建议。

The Investigation and Reflection on the Development of Guaranty Industry -A Case of Shaanxi Province

At present,guarantee institutions have become the new force to alleviate the difficulties of small and medium-sized enterprises in financing.On the basis of the comprehensive investigation on the guaranty industry in Shaanxi province,the paper analyzes the problems of guaranty industry from the following aspects such as guaranty industry’s own activities,cooperation between banks and insurance companies,government policy support and external credit environment,and brings forward the relevant recommendations to cultivate and regulate the development of guaranty industry.