信用保证基金模式的设计与思考——浙江省台州市小微企业信用保证基金的经验与启示

发布时间：2018-01-19 15:37

本文关键词： 小微企业融资信用保证基金信息不对称风险共担　出处：《商业经济与管理》2015年12期 　论文类型：期刊论文

【摘要】：信用保证基金是多国政府用于拓宽小微企业融资通路的重要手段,然而其潜在成本使得运作机制的设计攸关其成效。台州小微企业信用保证基金在充分借鉴台湾成功经验的基础上,坚持政府主导、服务小微、风险共担、公益性质,在提高小微企业信贷可得性方面成效显著,但合作银行动力不足、利率限制及衔接问题亦比较突出。下一阶段,宜着力于顺畅信用保证基金与合作银行的对接机制,激发合作银行的内生动力;坚持基金运作的市场导向,建立公开透明的监督机制;建立小微企业征信体系及信息交流平台,提高信保基金破解信息不对称能力,以确保信用保证基金的可持续性。
[Abstract]:Credit guarantee fund is an important means for governments to broaden the financing channels Small and micro businesses, but the potential cost of making the design of the operation mechanism of the relevant results. Taizhou Small and micro businesses credit guarantee fund on the basis of referencing the successful experience of Taiwan, adhere to government led, service small and micro, risk sharing, public welfare, in improving the small micro enterprise credit availability is remarkable, but the cooperative banks lack of motivation, interest rate restriction and convergence problems are more prominent. The next stage, should focus on the credit guarantee fund smooth docking mechanism and cooperative banks, cooperative banks to stimulate endogenous power; adhere to market-oriented operation of the fund, the establishment of an open and transparent supervision mechanism Small and micro businesses; to establish credit system and information exchange platform, improve the credit guarantee fund to break the information asymmetry, credit guarantee fund to ensure sustainability.

【作者单位】：中国社会科学院金融研究所;中南财经政法大学金融学院;
【分类号】：F832.3
【正文快照】： 小微企业对经济稳定及社会福利所作的贡献与其所获金融资源之间的巨大落差,是困扰世界的共同难题。究其原因,是缺乏足够信息所致的柠檬市场、逆向选择和道德风险问题,降低了小微企业获得银行信贷的概率,即Stiglitz和Weiss(1981)[1]所描述的信贷配给。另一方面,关系借贷的高成

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