建立新的“政商分离”担保体系的思考

Thoughts on building a new credit guarantee system separating Gov. and business

我国目前"一体两翼"的担保体系存在着"政商不分"的问题。通过实地调研和问卷调查所获得的147家担保机构的数据显示,政策性担保机构和互助性担保机构对商业性担保存在着"挤出效应",且存在着担保机构普遍规模较小、多以营利为经营目标、人力资源素质不高等问题。这说明"政商不分"已经使得我国担保体系有偏离扶持中小企业发展的趋势,并且政策性担保机构不适合继续充当我国的担保体系主体,因此应该建立以商业性担保机构为主、"政商分离"的新的担保体系。

The ＂one main body and two limbs＂ credit guarantee system in our country has the problem of the mixture of gov with business .Through the investigations of spots and questionnaires, we received 147 guarantee agencies＇ information, which showed some problems such as gov＇s and mutual guarantee agencies＇ ＂squeezing out effect＂ on business ones, small scales, mercantile objectives, low human resource level and so on. These above indicated that the mixture of gov with business had led our guarantee system getting away from supporting the SMEs, and the gov＇s guarantee agency was not fit to be the main body in the system, so we must build a new system which is to take the business agency as main body while separating the gov from business clearly.