本文關(guān)鍵詞：信�；鸾鉀Q中小微企業(yè)融資難的路徑選擇　出處：《企業(yè)經(jīng)濟》2017年06期 　論文類型：期刊論文

  更多相關(guān)文章： 信�；� 產(chǎn)業(yè)鏈金融 中小微企業(yè) 融資難

【摘要】：當(dāng)前,產(chǎn)業(yè)轉(zhuǎn)型升級中急需解決中小微企業(yè)的融資難問題。通過信用保證基金(以下簡稱信�；�)的方式解決中小微企業(yè)融資難是一個新思路。目前,我國已形成了初步的信用保證體系,取得了一定成效,但仍存在問題。因此,有必要將政府不同部門的扶持基金統(tǒng)一歸集,并在我國龍頭企業(yè)相對集聚較多的地區(qū)如長三角、珠三角、環(huán)渤海灣、中部等地區(qū)擴大產(chǎn)業(yè)鏈金融中的信�；鹪圏c,建立中小微企業(yè)互保聯(lián)保圈,以緩解中小微企業(yè)融資難問題,帶動民營經(jīng)濟轉(zhuǎn)型升級,助推我國經(jīng)濟可持續(xù)發(fā)展。
[Abstract]:At present, there is an urgent need to solve the financing problem of small and medium-sized enterprises in the process of industrial transformation and upgrading. It is a new idea to solve the financing difficulties of small and medium-sized enterprises by means of credit guarantee fund (hereinafter referred to as credit guarantee fund). Our country has formed the preliminary credit guarantee system, has obtained the certain result, but still has the question. Therefore, it is necessary to unify the support funds of different government departments. And in China's leading enterprises relatively concentrated in areas such as the Yangtze River Delta, the Pearl River Delta, the Bohai Bay, Central China and other regions to expand the financial chain of the trust and insurance fund pilot, to establish small and medium-sized enterprises to protect each other UNPROFOR. In order to alleviate the financing difficulties of small and medium-sized enterprises, promote the transformation and upgrading of private economy, promote the sustainable development of China's economy.
【作者單位】： 浙江工業(yè)大學(xué)金融創(chuàng)新與可持續(xù)發(fā)展研究中心;
【基金】：國家社科基金項目“基于提升政府效能促進經(jīng)濟轉(zhuǎn)型升級的長三角產(chǎn)業(yè)鏈金融研究”(項目編號:14BGL157)
【分類號】：F276.3;F832.51
【正文快照】： 一、信�；鹣嚓P(guān)概述(一)信�；鸬亩x信保基金(credit guarantee fund)的建立是為緩解中小企業(yè)在融資借貸中存在的規(guī)模小、信用欠缺、抵押品不足等困境,并允諾商業(yè)銀行等金融機構(gòu)在借款企業(yè)到期無力償還時,賠付其部分或全部的貸款額。信�；饘嵸|(zhì)是為抵押品提供一種優(yōu)秀，

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