中小企业信贷担保的国际经验比较及对我国的启示
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摘要
目前,信贷担保计划已经成为许多国家政府解决中小企业融资难题的一项越来越重要的政策工具。日本、英国、意大利等发达国家在中小企业信贷担保方面的经验和做法显示,一个成功的信贷担保计划必须有适当的法律和监管框架,清晰的公司治理机制和有效的风险管理体系,顺应市场的经营策略,定期信息披露和事后评估。只有这样,信贷担保计划才能有效地实施和经营,真正助力中小企业快速发展。
At present,credit guarantee scheme has become an increasingly important policy tool for many governments to solve the financing problems of SMEs. The experience and practices of developed countries such as Japan,the United Kingdom,and Italy in credit guarantees for SME show that a successful credit guarantee scheme must have an appropriate legal and regulatory framework,a clear corporate governance mechanism and an effective risk management system,business strategy that is responsive to the market,regular information disclosure and ex post evaluation. Only in this way can the credit guarantee scheme be effectively implemented and operated,and truly help the development of SMEs.
At present,credit guarantee scheme has become an increasingly important policy tool for many governments to solve the financing problems of SMEs. The experience and practices of developed countries such as Japan,the United Kingdom,and Italy in credit guarantees for SME show that a successful credit guarantee scheme must have an appropriate legal and regulatory framework,a clear corporate governance mechanism and an effective risk management system,business strategy that is responsive to the market,regular information disclosure and ex post evaluation. Only in this way can the credit guarantee scheme be effectively implemented and operated,and truly help the development of SMEs.
引文
[1] Paolo Agnese,Manuel Rizzo and Gianfranco A. Vento,“SMEs finance and bankruptcies:The role of credit guarantee schemes in the UK”,Journal of Applied Finance&Banking,vol. 8,no. 3,2018,1-16.
[2] Salvatore Zecchini(2006)“,Public Credit Guarantees and SME Finance”,ISAE Working paper n. 73.
[3] World Bank,2016. Assessing Implementation of the Principles for Public Credit Guarantees for SMEs. Washington DC.
[2] Salvatore Zecchini(2006)“,Public Credit Guarantees and SME Finance”,ISAE Working paper n. 73.
[3] World Bank,2016. Assessing Implementation of the Principles for Public Credit Guarantees for SMEs. Washington DC.