| 福建省中小企业信用担保机构发展瓶颈与对策 |
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| 引用本文： | 雷金英. 福建省中小企业信用担保机构发展瓶颈与对策[J]. 福建商业高等专科学校学报, 2014, 0(4): 55-59 |
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| 作者姓名： | 雷金英 |
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| 作者单位： | 福建师范大学协和学院,福建福州350117 |
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| 基金项目： | 2012年福建省教育厅 A 类社科研究项目“博弈视角下海西中小企业互助融资担保模式研究”（项目编号：JA12395S） |
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| 摘 要： | 建立中小企业信用担保体系,是解决当前中小企业融资的有效途径之一。现阶段福建中小企业信用担保机构发展环境和发展势头良好,但面临可持续发展能力有限、代偿能力有限、违规经营乱象、与银行合作困难、内部风险控制能力较弱等发展瓶颈。因此,担保机构应提高自身的业务拓展能力和公司治理能力;政府应加强政策监管,完善信用评级工作,健全担保业多方风险分担机制和引导行业自律规范发展。
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| 关 键 词： | 融资性担保机构 代偿能力 风险补偿机制 |
A Study of the SME Credit Guarantee Institution in Fujian Province |
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| LEI Jin-ying. A Study of the SME Credit Guarantee Institution in Fujian Province[J]. Journal of Fujian Commercial College, 2014, 0(4): 55-59 |
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| Authors: | LEI Jin-ying |
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| Affiliation: | LEI Jin-ying (Concord College, Fujian Normal University, Fuzhou 350117, China) |
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| Abstract: | SME credit guarantee system can solve financing issue. At present,SME credit guarantee institution in Fujian has some problems,including limited capacity for sustainable development,limited compensatory capacity,illegal opera-tion,difficulty in cooperation with banks,and poor internal risk control. Therefore,guarantee institution should improve management,government should strengthen policy supervision,improve credit rating,promote the multi-risk-sharing mechanism in security industry and self-regulation. |
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| Keywords: | financing guarantee institution compensatory capacity risk compensation mechanism |
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