| 提高我国信用担保经济杠杆效用的研究 |
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| 引用本文： | 陈晓红,谢晓光.提高我国信用担保经济杠杆效用的研究[J].软科学,2005,19(4):1-4. |
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| 作者姓名： | 陈晓红 谢晓光 |
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| 作者单位： | 中南大学,商学院,长沙,410083 |
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| 基金项目： | 国家软科学基金项目（2003DGQ2D056） |
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| 摘 要： | 信用担保经济杠杆的属性主要由放大倍数来直接体现。当前我国信用担保机构的经济杠杆效用发挥并不理想。通过模型分析得出,担保机构对企业的调查监控成本、反担保控制能力和银行对担保机构的监控成本是决定担保放大倍数的关键因素,互助性担保在提高担保放大倍数方面具备一定优势。互助担保资金通过委托专业化担保机构运作,或由银行直接介入互助担保机构的运行则能够最好地发挥信用担保的经济杠杆效用。
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| 关 键 词： | 信用担保 担保放大倍数 互助担保 中小企业 |
| 文章编号： | 1001-8409（2005）04-0001-04 |
| 收稿时间： | 2005-01-06 |
| 修稿时间： | 2005年1月6日 |
A Research on Improving Credit Guarantee Leverage in China |
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| CHEN Xiao-hong,XIE Xiao-guang.A Research on Improving Credit Guarantee Leverage in China[J].Soft Science,2005,19(4):1-4. |
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| Authors: | CHEN Xiao-hong XIE Xiao-guang |
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| Abstract: | Credit guarantee has the attribution of economic leverage,which is reflected by the multiple of enlarging. At Present, utility of economic leverage in our country is unsatisfactory. Through model analysis,leverage ratio is determined by credit guarantee organization's cost of survey and supervision,credit guarantee organization's ability of counter-guarantee control,and bank's cost in supervising credit guarantee organizations. Mutual guarantee possesses greater advantage in leverage. In order to improve leverage utility, mutual guarantee fund should be directed by professional organizations or banks should get involved in the operation of mutual guarantee organizations directly. |
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| Keywords: | credit guarantee guarantee leverage mutual guarantee SMEs |
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