组织增信与有限责任联保增信的有效结合：牟平区“助保金”贷款案例

摘要

In order to overcome the difficulty of guarantee which restricts the financing of SMEs, there appear manykinds of guarantee mode. In the Muping district of Yantai, there is a new kind of guarantee mode named ＂guarantee-assistant fund＂, which select some SMEs to comprise a pool. Enterprises guarantee each other by paying guarantee-assistant fund, and government supply risk compensation, so as to expand the extent of SMEs financing. ＂Guarantee-assistant fund＂ loan fully utilize the soft credit information of enterprises, and realize the upgrade of credit and value of credit information by organizational credit addition and mutual ~uarantee credit addition.%为了克服＂担保难＂这一中小企业融资瓶颈,多种担保模式创新不断涌现。山东省烟台市牟平区＂助保金＂贷款,通过＂重点中小企业池＂中的企业以缴纳助保金的形式进行联保,加上政府提供的风险补偿金的保证,拓展了中小企业的融资边界。这一模式,实现了企业信用增级和信用信息经济价值转化。