海洋经济中小企业信贷融资担保策略问题研究

The Research of Financing Guarantee System for Middle and Small-sized Enterprises of Marine Economy

海洋经济中小企业具有"海洋经济"与"中小企业"的双重身份特点,融资困境既包括中小企业融资所涉及的信息不对称问题,又包括海洋经济中小企业所特有的缺乏有效抵押物、海洋经济高风险、资金需求周期性强等问题。本文提出加强海洋经济的政策性融资担保机构建设,鼓励发展海洋经济中小企业互助担保的信贷融资担保策略,解决融资难,更解决融资贵的问题。要兼顾市场选择机制,使海洋经济中小企业的信贷资金配置达到最优。

Middle and small-sized enterprises of marine economy own ＂marine economy＂ and ＂middle and small-sized enterprises＂ double identification, which determines during financing process, the relevant enterprises have to face not only the information asymmetry problem of middle and small-sized enterprises, but also some issues about marine economy, including efficient collateral＇s insufficiency, high risk, and periodic capital demand. In this article, the solutions of difficulty and high cost in obtain financing are proposed, enhancing establishment of policy-oriented financing guarantee and encouraging middle and small-sized enterprises＇ mutual guarantee of marine economy, respectively. Further, the research involves market selection mechanism to make sure the allocation of financial credit for middle and small-sized enterprises of marine economy is optimal.