中小企业信用担保机构担保风险分析

The Analysis of Small and Medium-sized Enterprises Credit Assurance Institute Assume risk

中小企业通过信用担保机构获得融资已成为一条解决“融资难”问题的重要渠道。我国以中小企业信用担保体系的制度性安排为基础,但中小企业信用担保体系存在着三重制度性缺陷:结构性缺陷、经营管理性缺陷和功能性缺陷。中小企业信用担保机构担保风险防范和调适,应做到以下五点:监管部门指导担保机构做好风险识别、量化和管理工作;加强法律法规建设;政府担保机构要坚持政策性资金实行市场化经营的原则,避免行政干预;建立和完善担保机构的资金补偿机制和各种风险防范机制;积极推进中小企业信用制度和担保机构信息化建设。

It＇ s an important way for small and medium - sized enterprises to finance through credit assurance. Based an such credit assurance system,it has three imtitutional limitations,hke structual defect,managerial defect and functional defect.According to such situation, we should stress on following things;supervision department should lead these institutions to distinguish risk,improve building relative hws,government should stick on the policy of capital managed by market,avoid administrative intervene,build and improve system of capital compenpensation and risk precausion,pay attention to building in information positively.