规范民间借贷视角下中小企业应急互助基金构建

在现代金融服务体系中，缺少能为中小企业提供应急性资金需求的组织或服务平台。从规范民间借贷视角出发，政府牵头构建中小企业应急互助基金能够切实解决中小企业应急资金融资难问题，提高中小企业富余资金的利用效率及收益率。应急互助基金由政府、专业机构、广大中小企业和担保机构等共同参与，遵循一定的运营流程与管理规则，并设立成员及客户的准入机制、借贷资金上限控制机制、风险分担机制和基金损益机制。

The Construction of the Emergency Mutual Funds for Small and Medium-sized Enterprises under the Perspective of the Specification Private Lending

In the modern financial service system, it is lack of organization or service platform, which provides emergency funds for small and medium-sized enterprises demand. Private lending perspective from the specification, the government led building small and medium-sized enterprises emergency mutual funds to solve of the emergency financing difficulties for the small and medium-sized en- terprise, and it improves efficiency of surplus funds of small and medium-sized enterprise. The emergency mutual funds is participated in by the government, professional bodies, small and medium-sized enterprises and guarantee agencies, which follows certain rules, op- eration process and management as well as sets up members and customers＇funds for admittance mechanism, the borrowing limit control mechanisms, risk sharing mechanism and fund profit and loss rules.