激励、合作范围与担保制度创新:李庄模式研究

Incentive, Cooperation and Guarantee Innovation: A Case Study of Lizhuang Town,Shangdong Province

近年来,由于缺乏有效资产的担保抵押,民营中小企业贷款难问题十分普遍,政府及监管当局的强力推动仍未收到实质性效果。山东滨州市李庄自助担保模式表明,对分散的中小企业担保资源进行符合信贷制度的整合,有助于实现金融支持与经济发展的对接,可以形成推动信用水平提高的有效激励,并造就信用担保合作的适度范围。文章进一步提出了在更大范围内整合担保资源、实现充分金融支持的约束条件和进取方向的政策建议。

This paper studies the small- sized finns＇ credit guarantee cooperation in Lizhuang Town, Binzhou City, to show the incentive and credit cooperation in rural areas. This paper also shows the cooperation scope, restrictions and trends of the guarantee.