我国中小企业信用担保业发展障碍及改进思路

On the Obstacles and Improvement Ideas of Small and Medium-Sized Enterprise Credit Guarantee

在"一体两翼"式信用担保体系框架下,政策担保、互助担保和商业担保虽然各有特色,但都存在自身难以逾越的发展障碍:政策担保受政府财力制约,互助担保局限于联盟企业,商业担保盈利空间狭小,它们对中小企业融资的贡献都极为有限。我国中小企业信用担保业必须寻求新的发展路径,笔者为此提出打破现有格局,将政府资本与民营资本融合投资重构中小企业信用担保体系的创新思路。为了实现政府资本与民营资本的有效融合和优势互补,促进我国中小企业信用担保体系的协调快速发展,还需要研究解决其运行模式、运行机制及配套政策等方面的诸多问题。

In the credit guarantee framework of ＂one body, two wings＂, although the policy guarantee, mutual guarantee and commercial guarantee share their own features, there still exist insurmountable obstacles： policy guarantee restricted by government finance; mutual guarantee limited by the alliance enterprises and the narrow business guarantee profit margins, the contribution of which is extremely limited. It＇s indispensable for China^s SME credit guarantee industry to seek new development path. This paper gives the innovative ideas of integrating government capital with private capital investment to reconstruct the SME credit guarantee system. In order to achieve effective integration and complementary advantages of the government capital with private capital, and promote the coordinated and rapid development of China＇s SME credit guarantee system, the operation mode, operating mechanism, supporting policies and other problems are also needed to study and solve.