案例研究：52中小企業(yè)擔(dān)保公司的私人市場(chǎng)與企業(yè)化拓展-展示頁(yè)
2025-04-26 04:11本頁(yè)面
【正文】 大貢獻(xiàn)的同時(shí)，也正面臨著進(jìn)一步發(fā)展壯大的瓶頸——融資難。本文將在分析擔(dān)保公司經(jīng)濟(jì)合理性的基礎(chǔ)上，探討其生存空間，對(duì)擔(dān)保公司進(jìn)行制度設(shè)計(jì)，促進(jìn)擔(dān)保公司盡快轉(zhuǎn)入契約社會(huì)交易規(guī)則中，走向企業(yè)化。但是目前的擔(dān)保公司是以熟人社會(huì)的交易法則展開業(yè)務(wù)，仍然局限于私人市場(chǎng)。中小企業(yè)擔(dān)保公司的私人市場(chǎng)與企業(yè)化拓展關(guān)志勇1 作者簡(jiǎn)介：關(guān)志勇（1973），山東廣饒人，經(jīng)濟(jì)師，中國(guó)人民銀行東營(yíng)市中心支行副行長(zhǎng)。（中國(guó)人民銀行東營(yíng)市中心支行，山東 東營(yíng) 257018）摘 要：中小企業(yè)擔(dān)保公司是在中小企業(yè)貸款難的背景下誕生的，由于對(duì)中小企業(yè)更了解，所以能夠從中獲取信息租值。隨著商業(yè)銀行運(yùn)營(yíng)能力的提高，能否還有新的發(fā)展空間，怎樣才能走出私人市場(chǎng)并走向企業(yè)化，都需要探討。關(guān)鍵詞：中小企業(yè)；擔(dān)保公司；制度設(shè)計(jì)Abstract：Small and medium enterprises in the SME loan guarantee pany is against the backdrop of difficult birth， precisely because they have a better understanding of SMEs，they were able to obtain information from the rental value. However，the current security pany is a trading rule of social acquaintances，start businesses，access to information， transactions，negotiation，implementation，monitoring，treatment，and so are all of the bad debt disorder，but most security panies are still confined to the private market. With the mercial banks operating capacity，they still have room for development，how can be out of the private market，the move towards enterprise in order to meet the challenge. This article will analyze the credit guarantee panies in the existence of economic rationality，on and explore the living space of the credit guarantee system design industries to promote the security pany as soon as possible into the social contract trading rules，the move towards enterprise development.Key Words：SMEs，guarantee corporation，system design中圖分類號(hào)： 文獻(xiàn)標(biāo)識(shí)碼： B 文章編號(hào)：16742265（2009）12004105一、引言隨著經(jīng)濟(jì)的改革開放，我國(guó)中小企業(yè)迅速成長(zhǎng)并在解決就業(yè)、促進(jìn)經(jīng)濟(jì)增長(zhǎng)等方面多有建樹。間接融資，正規(guī)商業(yè)銀行拒貸；直接融資還不夠標(biāo)準(zhǔn)，而且中國(guó)的創(chuàng)
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