科技型小企业政策性担保机制分析

An Analysis on Government Guarantee mechanism for Small Technological Enterprises

银行信贷是科技型小企业最理想的资金来源,但科技型小企业在缺乏担保的情况下难以获得银行融资。通过演绎推理的方法分析了政府为科技型小银行提供信贷担保的政策机制,证明高比例政策性担保既能有效促进银行为科技型小企业提供贷款,又能避免市场失灵;为科技型小企业提供成长辅导和选择擅长小企业信用评估的合作银行可以有效降低政策性担保风险;贷款企业期权收益是补充政策性担保基金的重要途径。

Bank loans are the best fund source for small technological enterprises, but it is diffi- cult for them to get bank loans without guarantee. Through the way of logical deduction, this paper an- alyzes government＇s policy mechanism on the credit guarantee for small technological enterprises, and prove that government guarantee not only can promote banks to provide loans to small technological en- terprises, but also avoid market failure. Choosing suitable banks to cooperate and supply counseling on the growth of small technological enterprises are the important parts of decreasing the risk of govern- ment guarantee. The returns of the loan enterprises＇ option is an important supplement of government guarantee fund.