信用担保机构运行效率实证研究——以浙江省为例

Empirical Study on Operating Efficiency of Credit Guarantee Agencies——Taking Zhejiang Province as an Example

建立信用担保机构体系是解决中小企业融资难问题的一条有效途径。以浙江省中小企业信用担保机构为研究对象,实证分析了实收资本规模、人力资本、主营业务占比、合作银行家数、担保机构承担风险比例、担保对象中小企业占比等因素对政策性、商业性、互助性等三类担保机构运行效率的影响方向和程度,探讨了三类担保机构运行效率的差异性。

To establish credit guarantee system is an effective way of solving the problem of SMEs＇ financing.By empirical studies on the SMEs＇ credit guarantee agencies in Zhejiang province,this paper analyzes the influencing orientation and extent of the operating efficiency of policy,commercial,mutual assistance of guarantee agencies made by the real capital size,human resources,the main business share,the number of cooperative banks,the proportion of risk taken by guarantee agencies,the proportion of SMEs,and discusses the differences in operating efficiency of these three types of guarantee agencies.