后危机时代中小企业信用担保机构监管路径的重塑研究——基于担保机构内外部视角的监管路径

基于担保机构内外部视角对中小企业信用担保机构的监管路径进行重塑,提出重塑后的中小企业信用担保机构监管路径应有的科学架构。其中,基于担保机构外部视角的外部监管路径主要包括来自于政府层面的他律性监管、来自于行业层面的自律性监管以及建立健全中小企业社会服务体系;而基于担保机构内部视角的内部监管路径主要包括建立健全科学管理制度以防范员工的道德风险,以及加强内部人员的素质培训以减少操作中的逆向选择风险。该研究对于加快推进我国中小企业信用担保业的科学化发展进程,实现我国中小企业信用担保业的可持续发展,具有非常重要的理论指导与现实意义。

Study on Reshaping of Regulatory Path for SME Credit Guarantee Institutions in Post-crisis Era-Regulatory Path Based on the Inside and Outside Perspectives of Guarantee Institutions

The regulatory path for SME credit guarantee institutions is to be reshaped based on the perspective of inside and outside guarantee institutions.The paper proposes its regulatory path should have a scientific framework after being reshaped.From the outside perspective,the regulatory path is mainly heteronomy supervision from the government level,and self-regulation from the industry level,and establishment of a sound social service system for SMEs;while from inside perspective,the regulatory path consists mainly of establishment of a scientific management system to prevent moral hazard of employees and to enhance the quality of training of internal staff to reduce the risk of adverse selection in operation.This study is of very important theoretical and practical significance to accelerating China＇s SME credit guarantee industry in the process of scientific development,implementation of sustainable development of SME credit guarantee industry in China.