摘要
目前,中小企业融资方式的创新与发展引起了社会及学者的广泛关注,在其他担保融资方式并不能极大程度地解决问题的情况下,互助担保融资扮演着不可替代的角色。作为一种新型独特的融资方式,互助担保为越来越多的中小企业提供了有效的融资渠道,然而它所带来的"多米诺骨牌"式的风险也不容小觑。针对互助担保方式下存在的违约风险,本文分别从政府、银行及中小企业三个方面提出了详尽且切实可行的解决方法。
At present, the innovation and development of SME financing methods have aroused widespread concern of the society and scholars. Under the circumstances that other guarantee financing methods can not solve the problem to a great extent, mutual guarantee financing plays an irreplaceable role. As a new and unique financing method, mutual guarantee provides an effective financing channel for more and more small and medium-sized enterprises. However, the "Domino" type of risk brought by it cannot be underestimated. In view of the default risk existing under the mutual guarantee mode, this paper proposes detailed and practical solutions from three aspects:government, bank and small and medium-sized enterprises.
引文
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