摘要
云南省融资担保体系存在着融资担保能力不足与担保能力闲置并存、借款企业融资成本高与融资担保公司风险高并存、融资担保公司不愿展业与银行不愿接受融资担保并存、担保公司内部经营管理机制不健全与外部政策保障和行业监管不到位并存等四对矛盾,根本原因是社会信用环境不佳和金融市场机制失灵。治标之策是健全政策性融资担保、保证保险、互助担保三种融资担保机制,治本之策是加强社会信用体系建设以治本,标本兼治以破解实体经济融资难题。
The financing guarantee system of Yunnan province is a complex of contradictions: juxtaposition of inadequate financing guarantee ability and redundant financing guarantee ability,juxtaposition of high financing cost for the borrower and high financing risk for the guarantee company,juxtaposition of reluctance of the financing guarantee company to lend and reluctance of the bank to accept financing guarantee,and juxtaposition of inadequate internal managerial mechanism of the guarantee company and absence of external policy guarantee and industrial regulation. The reasons underline these contradictions are the unhealthy social credit environment and the ineffective financial market system. To tackle the symptoms,we need to perfect three financing guarantee systems – policy financing guarantee,surety guarantee and mutual guarantee. The thorough cure,however,lies in constructing a sound social credit system. The final solution to the difficulties facing real economy when financing,therefore,is the adoption of both approaches.
作者
刘显昌
魏静
周丹
LIU Xianchang;WEI Jing;ZHOU Dan(Prefectural Finance Office of Chuxiong,Chuxiong,Yunnan Province 675000;Kunming University,Kunming,Yunnan Province 650214;Yunnan Land Resources Vocational College,Kunming,Yunnan Province 652501)
出处
《楚雄师范学院学报》
2018年第6期119-124,共6页
Journal of Chuxiong Normal University
基金
2017年民革云南省委参政议政课题“云南农村金融服务能力建设及实现机制研究”(项目批准号2017-B1)
关键词
三农
融资担保
保证保险
互助担保
three rurals
financing guarantee
surety insurance
mutual guarantee
