中小企业信用担保机构风险管理机制缺陷及矫正

国内中小企业信用担保机构在风险的内部控制、风险的转移和分散等机制方面存在重要缺陷,影响到信用担保机构自身的存续和发展以及对中小企业的融资。深入分析其原因,担保机构风险管理机制方面的问题恰恰反映了当前国内法律监管、社会信用环境等各方面存在不足。在后续发展过程中,要注意健全法律和监管体系、完善社会信用环境、加大政府的资金扶持力度、加强担保机构的内控和管理等,更好地发挥其征信和财务杠杆作用,提高中小企业融资效率。

Deficiency and Improvement of Risk Management Mechanism for SME Credit Guarantee Institutions

SME credit guarantee institutions have significant deficiency in internal control, transfer and diversification mechanism of risk management, which will affect the survival and further development of these institutions and the financing of SMEs. This problem is the reflection of weakness in current legislation system, social credit environment and so on. In the future development process, great emphasis should be put on building legal supervision system, improving social credit environment, increasing fund support, strengthening internal control and management of credit guarantee institutions, so as to improve the credit function of credit guarantee institutions and financing efficiency of SMEs.