战略性新兴产业的融资困境与担保体系重构

Financing Predicament and Credit Guarantee System Reconstruction of Strategic Emerging Industries

我国战略性新兴产业发展中信贷担保体系不健全,表现在担保机构"鱼龙混杂"、监管缺位现象严重、担保机构与商业银行有效协作缺失、担保机构与商业银行地位不平等、担保机构对担保企业资质缺乏鉴别能力、对担保企业抵押品缺乏足够的了解等方面。建立并完善战略性新兴产业担保体系,应加强战略性新兴产业信贷担保体系建设,建立战略性新兴产业担保风险补偿基金,健全战略性新兴产业担保机构再担保机制,创立战略性新兴产业担保协作联盟,完善战略性新兴产业担保服务体系。

Credit guarantee system of China＇s strategic emerging industry development is not perfect and embodies mainly in following aspects, ＂dragons and fishes jumbled together＂ in the Guarantee Agency, serious lack of supervision, lack of effective cooperation between guarantee agencies and commercial banks, unequal status of guarantee agencies and commercial banks, guarantee agencies＇ lack of identification ability of enterprise qualification, and lack of enough understanding of collateral security enterprises. Establishing and improving the strategic emerging industry security system, should strengthen the strategic emerging industry credit guarantee system construction, establish strategic emerging industry risk compensation fund, perfect the guarantee mechanism of strategic emerging industry re-guarantee mechanism, create strategic emerging industries credit cooperation union, and perfect guarantee strategic emerging industry service system.