西安石油大学学报（社会科学版）2012，Vol.21Issue(4)：37-41,5.
中小企业信用担保体系的优化研究
The Optimization Research on the Small and Medium- Sized Enterprise Credit Guarantee System
摘要
Abstract
For the imperfect status of the small and medium - sized enterprises Credit Guarantee System, this paper analyzed the small asset size of credit guarantee institutions, structural imbalance, the weaker; the lack of high - level professionals ; coupled with the undue interference of the government and lack of relevant laws and regulations and so on, put forward the view that we should establish and improve the risk prevention and compensation mechanism, optimizing the SME credit guarantee system. In the macro level, we should es- tablish and perfect the policy guarantee system and corresponding laws and regulations, propose to establish ＂ Assurance Regulatory Commission ＂, in order to strengthen the supervision and administration of the credit guarantee industry. As for as the guarantee agencies are concerned, we should divide the risk sharing responsi- bility of the financing guarantee parties scientific and reasonably, establish an effective risk compensation dis- persion and transfer mechanism, and perfect the internal control system of the guarantee agencies constantly.关键词
信用担保体系/直接融资/风险补偿机制/再担保Key words
credit guarantee system/direct financing/risk compensation mechanism/re - guarantee分类
管理科学引用本文复制引用
张萌物,张海兰..中小企业信用担保体系的优化研究[J].西安石油大学学报（社会科学版）,2012,21(4):37-41,5.基金项目
教育部人文社会科学研究一般项目（10YJA790248）. （）
