对建立“政商分离”担保体系的思考

我国"一体两翼"担保体系发展至今逐渐显现出不足,出现了担保机构规模过小、对中小企业扶持力度不够、潜在风险大等诸多问题,而其中最核心的问题就是"政商不分"。通过实地调研我们发现"政商不分"已经使得我国担保体系有偏离扶持中小企业发展的趋势,并且政策性担保机构不适合继续充当我国的担保体系主体,因此必须建立以商业性担保机构为主、"政商分离"的新的担保体系。

The thinking of building a new credit guarantee system separating government and business

The "one main body and two limb" credit guarantee system in our country has appeared its deficiencies that including the guarantee agency is in small scale, the guarantee system don’t give the SMEs enough support, the system has a huge latency risk and so on,in which, the most important problem is the mix of gov and business.We find in our research that the mix of gov and business has made our guarantee system in a trend to get away from supporting the SMEs, and the gov's guarantee agency is not fit to be the main body in the system, so we must build a new system which take the business agency as main body and also separating the gov and business clearly.