我国中小企业金融担保体系风险运营的监管路径研究

Study on Supervision Channels to China Small-medium Enterprises' Credit Guarantee System Risk Operation

构建中小企业金融担保体系是解决中小企业融资瓶颈的重要途径。文章分别基于外部和内部视角来设计中小企业金融担保体系风险运营的监管路径。其中:基于外部视角的中小企业金融担保体系风险运营的监管路径主要包括来自于政府层面的他律性监管、来自于行业层面的自律性监管,以及建立健全中小企业社会服务体系。基于内部视角的中小企业金融担保体系风险运营的监管路径主要包括建立健全科学管理制度、以防范员工的道德风险,以及加强内部人员的素质培训、以减少操作中的逆向选择风险。该研究成果对于加快推进我国中小企业金融担保业的科学化发展进程,实现我国中小企业金融担保业可持续发展,具有非常重要的理论指导与现实意义。

This paper analyzes the risk sorts and emergence of credit guarantee,on which,it offers the optimization channels to China small-medium credit guarantee environment,aparantely from outer supervision and scienty services for credit guarantee profession perspective and inner scientific management and operation to credit guarantee agencies perspective.It also develops and deepens the risk theory of small-medium credit guarantee,offers the important theorentical reference,and possesses the very important theorrtical and practical significance.