文章以信用担保机构为研究对象，选取信用担保机构注册资本、纳税额、利润额、累计担保总额等10项指标，建立信用担保机构综合得分模型，并运用主成分分析法，对江苏省20家样本信用担保机构的风险管理和盈利能力、社会贡献能力、担保能力和综合效益进行了评价和比较。在此基础上，结合江苏省担保业的实际进行了原因剖析，提出了三种模式担保机构的发展定位及协调发展的相关对策：应坚持政策性担保机构为主导、商业性和互助性担保机构为补充的市场定位，进一步加大政府对三种模式担保机构的政策及资金扶持力度，规范商业性担保机构的运作并开发多元化的担保产品及引导并鼓励互助性担保机构的健康快速发展。%Taking credit guarantee organizations(CGOs) as subject,this paper chooses 10 indicators such as registered capi⁃tal,ratal,profit,accumulative amount guaranteed etc., and establishes CGOs’ integration score model.Using principal component analysis method, this paper evaluates and compares risk management and earning power, social contribution, guarantee ability and integrated benefit of 20 CGOs.Based on above,the paper analyzes Jiangsu guarantee industry,puts for⁃ward the related countermeasure of development orientation and coordinated development of three modes of guarantee organiza⁃tions:persisting in the market position that policy CGOs are considered as the dominant part of the guarantee system for SMEs,and commercial CGOs and mutual CGOs as supplements,further increasing policy and fund support to the three kinds of CGOs by government,making commercial CGOs operating as standard and exploring diverse guarantee products,inducting and encouraging mutual CGOs to develop healthily and speedily.
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