集群经济下中小企业互助担保融资模式探研

摘要

Mutual guarantee financing has a unique mechanism of “mutual aid,mutual supervision,and mutual guarantee”.With the regional development and cluster of small and medium-sized enterprises,good environment is created for mutual guarantee financing.As far as mutual guarantee financing of small and medium-sized enterprises is concerned,there exists the bottleneck of small scale capital and low risk prevention capacity.Based on three mutual guarantee financing modes of small and medium-sized enterprises,the paper puts forward the new mutual guarantee financing mode funded by government,guarantee institutions,banks and small and medium-sized enterprises.%互助担保融资具有独特的“互助、互督、互保”内在运行机制。中小企业区域性、集群性发展为互助担保融资创设良好的运行环境。针对集群经济下中小企业互助担保融资资金规模小和风险防范能力弱的主要发展瓶颈，在中小企业互助担保融资现有三种模式的基础上，提出了由政府、担保机构、银行和诚信中小企业共同出资的“四位一体”的中小企业互助担保基金新模式构想。