我国再担保模式的政策性与市场化平衡思考

Research on the Balance between Policy Guidance and Market Operation of the Re-guarantee in China

再担保是为担保人设立的担保,当担保人无力承担担保责任时,再担保人将按协议约定向债权人继续承担责任,以保障债权的实现。作为一种特殊的担保形式,我国再担保的实践尚处于探索期,正在经历从强制性到诱致性的制度变迁,再担保的发展模式莫衷一是。政策性导向在再担保制度变迁中的有其积极作用,但在再担保业务运作中也存在局限性。论文通过构建数理模型,对再担保的政策性尺度进行分析,探讨如何在政策性与市场化之间平衡。

Re-guarantee is a special kind of guarantee when guarantor cannot meet the guarantee liability. China has built a basically architecture for the re-guarantee industry. But re-guarantee operation is ineffective. This paper discusses the action of guiding policy in the re-guarantee system changes and its limitations in the re-guarantee busi- ness. Through theoretical deduction method and mathematical analys!s, the paper points out that the balance between policy guidance and market operation is important to promote re-guarantee development in China.