香港中小企业政策性信用担保机制的运作模式及启示

The Experience and Enlightenment of Hong Kong SME Policy Credit Guarantee

本文介绍了香港中小企业政策性信用担保机制的基本情况,从政府介入程度、服务对象、资金补充、风险补偿、风险分担、内部管理、监管体系等角度,分析了香港中小企业政策性信用担保机制的运作模式,并提出我国内地完善中小企业政策性信用担保体系的对策建议。研究结果表明,根据经济环境调整政府介入程度、明确信用担保的重点服务对象、建立担保资金补充和风险补偿机制、完善风险分担机制、加强内部管理、建立高效的监管体系,是香港中小企业政策性信用担保机制取得积极成效的重要保障,其经验值得内地参考和借鉴。

This paper analyzes the experience of Hong Kong Small and Medium-sized Enterprise （ SME ） policy credit guarantee from the aspects of the degree of government intervention, service target, capital replenishment, risk compensation and risk-sharing. And it also presents proposals on how to promote SME policy credit guarantee system in Mainland. The results show that, Hong Kong SME policy credit guarantee mechanism works well because of the good experience and practice in adjusting the degree of government intervention according to the economic conditions, determining the focus of service target, establishing mechanisms of capital replenishment and risk compensation, improving the risk-sharing mechanisms, strengthening internal management, and establishing an efficient regulatory system. The experiences are of good reference to the Mainland.