摘要
融资担保是解决中小企业融资难、融资贵问题的重要举措,但由于中小企业融资能力的先天不足,融资担保的可得性不强。从广西融资担保行业发展的现状来看,完善政策性融资担保体系、定位中小企业融资担保的准公益性质、给予财税政策支持、优化营商环境是解决中小企业融资难问题的关键举措。中小企业融资担保行业的良性发展,还需要不断提高“政银担”合作水平,创新融资担保模式,完善中小企业的征信制度,打破信息壁垒,加强风险防范,创新人才管理机制,强化担保机构的社会责任等。
Financing guarantee is an important measure to solve the difficulties and high costs in financing for small and medium-sized enterprises(SEMs).However,due to the inherent disadvantages in financing capabilities of SMEs,their access to financing guarantees is limited.Based on the status quo of the financing guarantee sector in Guangxi,the key measures to deal with financing difficulties for SMEs include improving the policy-based financing guarantee system,defining the financing guarantee for SMEs as quasi-public interest,giving fiscal and tax policy support,and improving business environment.To achieve benign development of financing guarantee for SMEs,it also requires better cooperation among the government,banks and guarantee institutions,innovating the models of financing guarantee,improving the credit investigation system for SMEs,breaking information barriers,strengthening risk prevention,innovating talent management mechanisms and enhancing social responsibilities of guarantee institutions.
出处
《创新》
2021年第3期84-97,共14页
Innovation
基金
2019年广西壮族自治区工业和信息化厅招标课题“担保对中小企业融资作用研究”(GXZC2019-G3-26537-JDZB)。
关键词
融资担保
中小企业
代偿率
政策性
financing guarantee,small and medium-sized enterprises
compensation rate
policybased
