本文在中小企业信贷市场抵押品决定模型的基础上构建信贷行为优化模型，推导实现抵押替代机制的条件。分析得出，通过引进有效的监督和违约控制手段，可以实现抵押替代功能，从而改善中小企业由抵押资产匮乏造成的融资困境。进一步，基于监督和违约控制这两种抵押替代机制，对山东省近年来主要的四类担保模式创新实践进行梳理和成效对比，探讨总结其创新中的核心和缺陷，验证与模型推导结论的一致性，据此提炼出有效担保模式的逻辑。%In this paper, on the basis of the small and medium-sized enterprise credit market collateral decision model building optimization model of the credit behavior, the realization of mortgage substitution mechanism of deri-vation,analysis,through the introduction of effective supervision and control means of default,can replace function realization of mortgage, so as to improve the small and medium-sized enterprise financing difficulties caused by lack of mortgage assets. And based on the supervision and control of these two kinds of mortgage defaults alternative mecha-nisms, in recent years in Shandong province, the main mode of four types of guarantee innovation practice combing and results comparison, the discussion of emphasis to summarize its innovation and defects, the consistency of the conclusions derived from the validation and model on the basis of extracting an effective guarantee model logic.
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