政策性融资担保机构现状分析及经营建议

Current Situation Analysis and Operation Suggestions of Policy Financing Guarantee Institutions

加大对中小微企业和“三农”的服务力度是深化金融供给侧结构性改革的一个重要任务,为缓解当地小微企业及“三农”融资难、融资贵的问题,政策性融资担保机构不断设立。本文通过对政策性融担机构的发展现状进行分析,发现其主要存在对政府的过度依赖、风险机制不完善、担保客户本身风险较大等外部问题,也存在数字化系统建设落后、“多头管理”诟病、产品创新能力弱等内部运营问题,同时,政银担合作存在壁垒,针对上述问题提出以下建议:从创造良好的发展环境改变外部问题,从加强运营能力提高信息化水平解决内部问题,通过激励手段打破银担合作壁垒等,为机构持续性发展提供借鉴。

An important task of deepening the structural reform of the financial supply side is to strengthen the service to small,medium-sized and micro enterprises and“agriculture,rural areas and farmers”.In order to alleviate the financing difficulties and expensive problems of local small and micro enterprises and“agriculture,rural areas and farmers”,policy financing guarantee institutions are constantly established.This paper mainly analyzes the development status of policy financing institutions.At present,there are mainly external reasons such as excessive dependence on the government,imperfect risk mechanism and high risk of guaranteed customers.There are also internal operation problems such as backward digital system construction,“multi head management”criticism and weak product innovation ability.At the same time,there are barriers to government bank cooperation,Suggestions for the above problems can provide reference for the sustainable development of institutions by creating a good development environment,changing external problems,strengthening operation capacity,improving information level,solving internal problems,and breaking the barriers of bank guarantee cooperation through incentives.