摘要
文章深入分析了国内中小企业信贷融资信用担保缺失现状,指出我国中小企业信贷融资信用担保缺失的深层次原因在于担保体系机制设计不合理,导致担保资源未能充分发挥效用。文章创新地提出应重整体系结构,完全取消政府直接担保机构,并对担保体系发展提出了有益的建议。
This paper analyzes the status quo of credit guarantee system for domestic SMEs when they apply for bank financing, and then points out the deep-rooted reason is that guarantee system mechanism is illogical, and therefore the credit guarantee resource can＇t be used sufficiently. Finally, the authors suggest that the structure of credit guarantee system should be reformed, and the government＇s guarantee company should be withdrawn.
出处
《金融研究》
CSSCI
北大核心
2008年第12期179-192,共14页
Journal of Financial Research
关键词
中小企业
融资
信用担保
SMEs, financing, credit guarantee
