摘要
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.
出处
《台州学院学报》
2015年第5期15-19,共5页
Journal of Taizhou University
基金
浙江省2012年度高等学校教师发展项目"缓解科技型小微企业融资难的四链合作模型研究"
FX2012087
关键词
科技型小企业
政策性担保
贷款风险
融资覆盖率
small technological enterprises
government guarantee
credit risk
coverage ratio of fi- nancing