银保结合解决科技型中小企业融资难——基于宁波、上海等地“小贷险”的调研

Solving High-tech SMEs Financing Difficulties by the Integration of Banking and Insurance——Based on the Investigation of "Small Loans Guarantee Insurance" in Ningbo and Shanghai

宁波、上海等地纷纷开展了科技型中小企业小额贷款保证保险,有效地缓解了科技型中小企业融资难。本文剖析了宁波、上海两地开展小贷险的主要做法,并指出其存在的主要问题:保险营销机制尚未完全建立,再保险问题难以解决,缺乏相应的政策扶持,社会信用体系需进一步完善。下一步应建立政府引导多方分担的小贷险经营模式,加大小贷险推广力度,建立风险分散机制,加大政策扶持力度,加强科技型中小企业信用体系建设。

Ningho and Shanghai have carried out High-tech SMEs small loans guarantee insurance, which alleviates High-tech SMEs financing problems. This paper analyzes the Ningbo and Shanghai＇s practices. And it pointes out the main problems： Insurance marketing mechanism has not been fully set up, lack of corresponding policy; The social credit system should be further improved. In the next step, we should establish the government guidance of SMEs credit risk sharing mode. Also we should increase small loan risksto popularize, establish risk-scattering mechanism, strengthen supporting policy and construction of SMEs＇ credit system.