中合担保:打破僵局——融资性担保公司新生存样本

A New Survivor of Financing Guarantee Companies

在中小企业金融生态系统中,融资担保公司在银行与小微企业之间搭起了"信用增强"的桥梁,但由于融资性担保通常都是在银行不能直接放贷的时候才需要担保公司的介入,这一短板也让良莠不齐的担保行业深陷困局。自2012年以来,受京广两地相继爆发的中担、华鼎、创富三家担保公司违规事件,以及近两年来宏观经济下行和行业监管政策趋严的影响,使得银行在链条上端与担保公司的合作更加审慎,加之下端中小微企业坏账率大幅提高,导致担保业务量整体萎缩,风险代偿持续承压。

In the SME financial ecological system, financing guarantee company has set up a bridge of 'credit enhancement' between banks and small enterprises. Large and mediumsized players are relying on 'capital increase' to promote competitiveness, while the smaller ones are performing role transformation to small loan companies, internet fi nance or credit institutions.