融资担保机构服务效率地区差异与有效服务区间——基于不同模式担保机构的调查

发布时间：2018-03-26 10:19

本文选题：融资担保机构　切入点：中心企业融资服务效率　出处：《贵州财经大学学报》2017年01期

【摘要】：以15个城市204家融资担保机构的问卷调查数据为基础,对政策性担保机构、商业性担保机构、互助性担保机构为中小企业融资担保服务的效率进行实证考察,结果显示三种模式担保机构的服务效率具有明显的地区性差异。地区经济发展状况、产业集聚程度、企业信用体系发育程度、政府的支持程度、中小企业资金需求程度、商业银行的发达程度与地理位置等,是造成不同模式担保机构融资服务效率出现地区差异的主要因素,影响程度因地区而异。这些结论为界定三种模式担保机构在中小企业融资服务中的有效区间提供了依据。
[Abstract]:Based on the questionnaire survey data of 204 financing guarantee institutions in 15 cities, this paper makes an empirical study on the efficiency of financing guarantee services for small and medium-sized enterprises by policy guarantee agencies, commercial guarantee agencies and mutual guarantee agencies. The results show that the service efficiency of the three modes of guarantee institutions has obvious regional differences. Regional economic development, industrial agglomeration, enterprise credit system development, government support, small and medium-sized enterprises' capital demand, The degree of development and geographical location of commercial banks are the main factors that cause the regional differences in the financing service efficiency of different guarantee institutions. These conclusions provide a basis for defining the effective range of three modes of guarantee institutions in SME financing services.
【作者单位】：福建江夏学院财务与会计研究中心;贵州财经大学;
【基金】：国家社科基金一般项目“中小企业融资服务体系中政府与市场作用有效性研究”(14BJY198)阶段性研究成果福建省社科规划社科研究基地重大项目“不同担保模式下中小企业融资担保服务效率地区差异、有效作用区间与主导模式选择”(2015JDZ047)阶段性研究成果
【分类号】：F832.39

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