融资担保机构服务效率地区差异与有效服务区间--基于不同模式担保机构的调查

摘要

以15个城市204家融资担保机构的问卷调查数据为基础，对政策性担保机构、商业性担保机构、互助性担保机构为中小企业融资担保服务的效率进行实证考察，结果显示三种模式担保机构的服务效率具有明显的地区性差异。地区经济发展状况、产业集聚程度、企业信用体系发育程度、政府的支持程度、中小企业资金需求程度、商业银行的发达程度与地理位置等，是造成不同模式担保机构融资服务效率出现地区差异的主要因素，影响程度因地区而异。这些结论为界定三种模式担保机构在中小企业融资服务中的有效区间提供了依据。%We design questionnaires to get basic data from 204 financing guarantee institutions in 15 cities to analyze the financing guarantee service efficiency of policy guarantee agencies,commercial guarantee agencies and mutual guarantee agencies for small and medium enterprises.Conclusions from the empirical analysis reveal that the function of the above guarantee institutions in financing service system for small and medium enterprises varies in different areas.Regional economic development,industry concentration degree,the level of enterprise credit system,the degree of government support,the fund demand of small and medium enterprises and the development and location of commercial banks are the main factors to cause regional differences in financing guarantee service efficiency.Moreover,the impact of the above factors on the financing guarantee institutions is quite different accordingly.These conclusions provide a basis for reasonably defining the service function of the above three patterns of guarantee institutions in the financing service system for small and medium enterprises.