中小商业银行与信用担保基金的“双赢”模式初探

On the Win-Win Modes Between the small and medium-sized Commercial Banks and the Credit Guarantee Funds

中小商业银行在国有大银行和外资银行的双重挤压下,需要寻求和培育优质中小企业客户群以谋求 生存和发展。新兴的中小企业信用担保基金在提升中小企业信用水平、减小银行存贷剪刀差、发展地方经济方面 发挥着越来越重要的作用。如何建立中小商业银行与中小企业信用担保基金“双赢”模式已成当务之急。

Faced the competition from the large state-owned commercial banks and foreign-funded banks, the small and medium-sized commercial banks have to seek and cultivate the small and medium enterprise customer groups to survive and develop. The newly-developed credit guarantee funds will play a more and more important role in promoting the credit level of the medium and small-sized enterprise in bridging the scissors difference of small banks and in developing local economies. It is urgent to establish the win-win modes between the small and medium-sized commercial banks and the credit guarantee funds.