民营中小企业信用担保体系研究

Credit Guarantee System of Private Small and Medium-Sized Enterprise

民营中小企业信用担保体系可归纳出四大设计原理:功能原理、经营原理、正选原理和博弈原理。针对信用担保体系的问题,提出其健全与发展的建议是:清晰定位担保对象;科学择优担保运作方式;完善资金补偿机制;健全风险分散机制;正确发挥政府作用;促进社会信用体系建设;加强监管体系;建立社会化中介服务体系;加强金保合作,形成共生机制。

Four design principles can be drawn of the credit guarantee system of private SME： the function principle, management principle, favourable selective principle and game principle. In view of the credit guarantee system, the writer raises proposals that are to distinguish the object of guarantee, to choose the excellent guarantee mode scientifically; to perfect the compensatory mechanism of fund, to improve the mechanism of dispersing hazard, to bring government into play correctly, to build the system of social credit positively, to strengthen the system of supervision, to establish the socialization system of intermediary service, and to strengthen the cooperation of financial and guaranty institution.