| 微小型企业互助担保运行机制与模式设计 |
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| 引用本文： | 钟田丽,孟晞,秦捷. 微小型企业互助担保运行机制与模式设计[J]. 中国软科学, 2011, 0(10) |
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| 作者姓名： | 钟田丽 孟晞 秦捷 |
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| 作者单位： | 东北大学工商管理学院,辽宁沈阳,110819 |
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| 基金项目： | 教育部博士学科点专项科研基金，辽宁省科技计划项目 |
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| 摘 要： | 微小型企业金融服务机制的内生性制度缺陷导致其融资市场的失灵,政策性担保的制度缺陷和低效率也不能满足大量的分散的低层次微小型企业的担保融资需求.微小型企业组建互助担保的内生动力、互助组织的信用关系基础、互助担保的激励机制作用机理和代理成本的降低,使其成为微小型企业担保融资模式的最佳选择.微小型企业互助担保融资机制的设计,应当是在政府引导和市场化运作前提下,实现自组织、自运行、自协同、自平衡.
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| 关 键 词： | 互助担保 微小企业 政策性担保 间接融资 |
Design on Mutual Guarantee Operating Mechanism for Micro Enterprises |
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| ZHONG Tian-li,MENG Xi,QIN Jie. Design on Mutual Guarantee Operating Mechanism for Micro Enterprises[J]. China Soft Science, 2011, 0(10) |
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| Authors: | ZHONG Tian-li MENG Xi QIN Jie |
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| Affiliation: | ZHONG Tian-li,MENG Xi,QIN Jie(School of Business Administration,Northeastern University,Shenyang 110819,China) |
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| Abstract: | The endogenous systematic defects in financial service mechanism for micro and small enterprise result in failures of financing.Meanwhile,the inefficiency and institutional disadvantage of policy-based guarantee is not able to satisfy the great needs of guarantee financing among the huge number of micro and small enterprises.Due to the endogenesis,the accreditation between each other,the function of incentives and reducing agency cost,the establishment of mutual guarantee organizations among micro and small... |
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| Keywords: | mutual guarantee micro enterprises policy-based guarantee indirect financing |
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