摘要
本文通过对山东省聊城市企业融资担保模式的案例研究,分析当前中小企业融资中普遍运用的保证、抵押和质押方式存在的风险隐患,深入剖析中小企业融资特点,探讨了行业担保模式、桥隧模式和"信贷+保险"模式等中小企业的新型融资担保模式。
Through the case study on the financing guarantee mode in Liaocheng,this paper studies the risks underlying in the guarantee,mortgage and pledge that are used commonly in the financing of small and medium-sized enterprises. Furthermore,based on deeply analyzing the financing features of small and medium-sized enterprises, this paper proposes the industry guarantee mode,bridge and tunnel mode and combination of credit and insurance model under China＇s current macro-economic background and financial service system,which are of great promotion value and can alleviate the difficulty of small and medium-sized enterprises to some extent.
出处
《金融发展研究》
2014年第6期63-66,共4页
Journal Of Financial Development Research
关键词
中小企业融资
担保模式
担保圈风险
financing of small and medium-sized enterprises
guarantee mode
risks underlying the guarantee circle
