我国政策性担保机构面临的制度约束及优化设计--基于江苏、山东、四川3省担保机构的实证分析

摘要

在对江苏、山东、四川3省36家担保机构问卷调查的基础上，系统归纳我国政策性信用担保机构在支持中小企业融资过程中的几点现实约束，如政府扶持力度有待加强、与银行的合作关系不够密切、风险分担机制不完善等。结合我国担保业的现状，要使政策性信用担保的作用得到充分发挥，必须加大政府扶持力度、强化银保合作、完善再担保体系建设、完善自身担保制度和机制，以破解政策性担保机构的体制机制约束。%Based on questionnaire of 36 policy guarantee organizations (CGOs)from Jiangsu,Shandong and Sichuan Prov-inces,this paper concludes several realistic constraints which some CGOs face in the process of supporting small and medi-um enterprises (SMEs). They are inadequate government support,not close relation between CGOs and banks,imperfect risk-sharing mechanism and so on. According to current situation of guarantee industry in China,some countermeasures should be taken in order to bring into the role of CGOs play. For instance,governments should increase support to CGOs, strengthen the cooperation between CGOs and banks,consummate reguarantee system,improve guarantee system and mech-anism. Through above measures these constraints which CGOs face should be relieved or solved in the future.