我国不同模式担保机构的市场定位及协同发展研究——基于江苏担保机构的实证分析

Research on Market Position and Coordinated Development of Different Credit Guarantee Organizations in China——An Empirical Analysis Based on Jiangsu Credit Guarantee Organizations

本文首先对政策性、互助性和商业性担保机构的功能及优势进行了理论比较。在此基础上,以江苏省82家担保机构为例,对不同模式担保机构的运行效率及贡献进行了对比及实证检验。研究结果表明:政策性担保机构在融资担保体系中应发挥持续性主导作用,互助性担保机构应定位于企业集群内支持中小企业融资,商业性担保机构应作为补充缓解中小企业融资难问题。基于以上结论,提出了促进不同模式担保机构协同发展的政策建议。

This paper firstly compares functions and advantages of policy CGOs, mutual CGOs and commercial CGOs in theory. Based on it, this thesis demonstrates operating efficiencies and contributions of different CGOs taking Jiangsu 82 CGOs for example. Several results are concluded： policy CGOs should play a dominant role in the guarantee system for SMEs for a long time, mutual CGOs support financing for SMEs in enterprise clusters and commercial CGOs work as a complementarity. Based on above conclusions, policies and suggestions for coordinated development of different CGOs are put forwand.