摘要
在对中小企业信用担保不同供给主体的效率进行分析的基础上,提出了一方面从提供担保补贴、贷款风险补贴、对中小企业提供反担保费用优惠等经济杠杆方式来形成稳定的政府财政补贴为主导的外部风险补偿机制;另一方面采取提取担保风险准备金、与银行风险共担、担保分红和担保换期权等举措,建立中小企业信用担保内部风险补偿机制。
Based on the analysis on how efficient different suppliers of SME credit security offer services,proposals are made.On the one hand,we should form a stable external risk compensation mechanism mainly based on government financial subsidies through providing such economic leverages as security subsidy,credit risk allowance,favorable counter-guarantee for SMEs;on the other hand,we should establish an SME credit security internal risk compensation mechanism through extracting security risk reserves,risk-sharing with banks,security dividends and security exchange for options,etc.
出处
《征信》
北大核心
2011年第3期44-47,共4页
Credit Reference
基金
盐城工学院人文社会科学研究项目（XKY2009103）
