财政增信、风险共担与激励相容--山东省日照市“财政增信优惠贷”案例

摘要

2013年，日照市财政部门和银行机构合作推出了“财政增信优惠贷”模式，该模式形成了政府信用、企业信用、银行信用的有机联结，企业、政府、银行形成了风险共担的次序分配机制，为解决中小企业融资难、融资贵提供了一套系统解决方案，具有借鉴价值和可推广意义。%The fiscal departments and banking institutions in Rizhao City, Shandong province cooperated to launch the “Fiscal-added credit preferential loan” model in 2013, which formed the organic linkage with government credit, enterprise credit, and banking credit; And a risk sharing sequence distribution mechanism has formed among the enterprises, governments and banks. This model presents systemic solutions to the financing difficulties and high cost of financing of small and medium-sized enterprises, and provides reference value and promotion significance.