湖南核心担保机构及集团形成中的瓶颈问题突破研究

Breakthrough the Bottleneck of Hunan Core Guarantee Organization and Its Grouping

大量担保机构的出现,为我国中小企业的融资做出了巨大的贡献。与此同时,担保机构经营信用的行为,因自身力量的弱小而出现自身信用危机的情况。大量小型担保机构通过组织调整行为,通过集团化扩大资本量。集团化的过程中存在股东与经营者委托代理和业务运作效率的瓶颈问题。文章通过实例和理论分析来突破这些瓶颈问题。

The emergence of a large number of guarantee agencies for the financing of SMEs in China has made tremendous contributions. However, due to its weak power, the credit operation behavior of the credit guarantee institutions leads to credit crisis situation. Therefore, a large number of small credit agencies take the method of organization and grouping to achieve the expansion of capital. There are bottlenecks in the process of the group shareholders and managers and operational efficiency. The article analyzes the situation by examples and theoretical analysis.