信保基金解决中小微企业融资难的路径选择

发布时间：2018-01-01 06:20

  本文关键词：信保基金解决中小微企业融资难的路径选择　出处：《企业经济》2017年06期 　论文类型：期刊论文

  更多相关文章： 信保基金 产业链金融 中小微企业 融资难

【摘要】：当前,产业转型升级中急需解决中小微企业的融资难问题。通过信用保证基金(以下简称信保基金)的方式解决中小微企业融资难是一个新思路。目前,我国已形成了初步的信用保证体系,取得了一定成效,但仍存在问题。因此,有必要将政府不同部门的扶持基金统一归集,并在我国龙头企业相对集聚较多的地区如长三角、珠三角、环渤海湾、中部等地区扩大产业链金融中的信保基金试点,建立中小微企业互保联保圈,以缓解中小微企业融资难问题,带动民营经济转型升级,助推我国经济可持续发展。
[Abstract]:At present, there is an urgent need to solve the financing problem of small and medium-sized enterprises in the process of industrial transformation and upgrading. It is a new idea to solve the financing difficulties of small and medium-sized enterprises by means of credit guarantee fund (hereinafter referred to as credit guarantee fund). Our country has formed the preliminary credit guarantee system, has obtained the certain result, but still has the question. Therefore, it is necessary to unify the support funds of different government departments. And in China's leading enterprises relatively concentrated in areas such as the Yangtze River Delta, the Pearl River Delta, the Bohai Bay, Central China and other regions to expand the financial chain of the trust and insurance fund pilot, to establish small and medium-sized enterprises to protect each other UNPROFOR. In order to alleviate the financing difficulties of small and medium-sized enterprises, promote the transformation and upgrading of private economy, promote the sustainable development of China's economy.
【作者单位】： 浙江工业大学金融创新与可持续发展研究中心;
【基金】：国家社科基金项目“基于提升政府效能促进经济转型升级的长三角产业链金融研究”(项目编号:14BGL157)
【分类号】：F276.3;F832.51
【正文快照】： 一、信保基金相关概述(一)信保基金的定义信保基金(credit guarantee fund)的建立是为缓解中小企业在融资借贷中存在的规模小、信用欠缺、抵押品不足等困境,并允诺商业银行等金融机构在借款企业到期无力偿还时,赔付其部分或全部的贷款额。信保基金实质是为抵押品提供一种优秀，

本文编号：1363299