中小企业“过度担保危机”的风险传导机理与化解对策

Risk Transmission Mechanism and Countermeasures for“Excessive Guarantee Crisis”in Small and Medium-Sized Enterprises

过度担保一直是我国中小企业经济发展进步的阻碍,研究中小企业“过度担保危机”的风险传导机理与化解对策非常必要。首先分析中小企业过度担保的定义,研究过度担保成因以及过度担保的双重性、特殊性、可控制性和不对称性特征,探究过度担保危机风险传导过程和路径,最后从中小企业、政策、银行、社会多个方面分析解决中小企业过度担保危机的措施,以期通过共同努力协作的方式化解过度担保危机。

Over-guarantee has always been a hindrance to the economic development and progress of small and medium-sized enterprises in our country.This paper studies the risk transmission mechanism and countermeasures for the“over-guarantee crisis”of small and medium-sized enterprises through analyzes the definition of over-guarantee for SMEs,studies the causes of over-guarantee and the features of duality,particularity,controllability and asymmetry of over-guarantee,and explores the transmission process and path of over-guarantee crisis risk.Finally,analyzes and proposes measures to solve the crisis from various aspects such us polices,baks and society.