楚雄州中小企业融资担保体系构建研究

Research on Construction of the Financing Guarantee System for Chuxiong's Small and Medium-sized Enterprises

楚雄州是边疆少数民族贫困地区,经济社会发展相对滞后与企业发展水平低互为因果,中小企业融资因资本短缺和融资担保体系失效而变得异常困难。本文从融资担保企业将担保债务投保的新视角,对构建商业银行、担保公司、保险公司、中小企业等融资主体风险与利益均衡的中小企业融资担保体系新模式进行探讨,为楚雄州及与楚雄州经济社会发展程度的边疆少数民族贫困地区的金融机制体制创新提供参考。

As a needy border area inhabited by the minority ethnic groups, Chuxiong is characterized by less developed society and enterprises, especially the small and medium - sized ones, which are now experiencing great financing difficulties because of the ineffective financing guarantee system. Viewing from a new prospective - the liability insurance to be assumed by the financing guarantee enterprises, the present paper researches into constructing a new financing guarantee system characterized by risk and benefit balance for both the financing entities, i.e. the commercial banks, the bonding companies, the insurance companies and the small and medium - sized enterprises. The authors＇ intention is that this paper can be helpful to both social and economic development of Chuxiong as well as innovation of the local financial institutions.