甘肃省中小企业信用担保公司再担保模式探索与研究
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摘要
自1999年6月原国家经贸委下发《关于建立中小企业信用担保体系建设试点的指导意见》(国经贸中小企[1999]540号)第一次明确提出中小企业信用担保体系建设试点,以中小企业为服务对象的中小企业信用担保机构迅速发展壮大,为缓解中小企业融资难担保难,助推企业渡过危机、企稳向好发挥了重要作用。“再担保”作为我国中小企业信用担保业“一体两翼四层”框架中的重要组成部分,在担保机构迅速发展的同时,逐步开始发挥作用。本文通过对再担保的理论理解,运用公共产品理论、再保险理论、信用增进理论,借鉴国内外再担保取得的经验,结合甘肃省中小企业信用担保有限责任公司目前的经营现状及面临的环境,提出再担保的业务模式。具体包括再担保对象的选择、再担保保证的范围及方式、再担保的操作流程、再担保费。对在该业务模式的推广中可能碰到的难点及注意事项,提出具体的保障措施。通过再担保模式的研究与探索,使甘肃省中小企业信用担保有限责任公司业务规模进一步扩大,发展空间更广,更好的发挥平台功能性作用。
The State Economic and Trade Commission issued the "Guidance on thepilot establishment of small and medium-sized enterprise (SME) credit guarantee system"(No.540document of State Economic and Trade Commission) in June1999, which put forward the pilot of SMEs'credit guarantee system definitely for the first time. The SMEs'credit guarantee organization serve for the SMEthat developed rapidly and played important roles in relieving the financing andguarantee difficulty of SME, and help SME to get through the crisis and grow healthily and steadily."Re-guarantee "is an important part of "one body, two wings and four layers" structure in small and medium enterprise credit guarantee, which play an important role with the rapid development of guarantee agencies. The thesis is based on comprehension of re-guarantee theory, and applies public goods theory, re-guarantee theory and credit promotion theory. Refer to international re-guarantee experience and combine current situation and environment of Gansu small and medium-sized enterprise credit re-guarantee companylimited, and final put forward re-guarantee business model. The model includes the choice of re-guarantee object, the scope and method of re-guarantee, the operation flow of re-guarantee and premiums. Some specific items have been presented for potential difficulties and considerations during promotional process of the re-guarantee model. The further study of the exploration and research re-guarantee model can well help expand business size and developing space, platform function of Gansu small and medium-sized enterprise credit re-guarantee companylimited.
The State Economic and Trade Commission issued the "Guidance on thepilot establishment of small and medium-sized enterprise (SME) credit guarantee system"(No.540document of State Economic and Trade Commission) in June1999, which put forward the pilot of SMEs'credit guarantee system definitely for the first time. The SMEs'credit guarantee organization serve for the SMEthat developed rapidly and played important roles in relieving the financing andguarantee difficulty of SME, and help SME to get through the crisis and grow healthily and steadily."Re-guarantee "is an important part of "one body, two wings and four layers" structure in small and medium enterprise credit guarantee, which play an important role with the rapid development of guarantee agencies. The thesis is based on comprehension of re-guarantee theory, and applies public goods theory, re-guarantee theory and credit promotion theory. Refer to international re-guarantee experience and combine current situation and environment of Gansu small and medium-sized enterprise credit re-guarantee companylimited, and final put forward re-guarantee business model. The model includes the choice of re-guarantee object, the scope and method of re-guarantee, the operation flow of re-guarantee and premiums. Some specific items have been presented for potential difficulties and considerations during promotional process of the re-guarantee model. The further study of the exploration and research re-guarantee model can well help expand business size and developing space, platform function of Gansu small and medium-sized enterprise credit re-guarantee companylimited.
引文
[1]曹晓尔,我国现阶段市场经济条件下的再担保合作模式新探[EB/OL], www.sxquarantee.com/preiodical- file/elink/2006-011.htm#588.
[2]刘铭、刘征,我国再担保体系建设初探[A].“2006中国担保论坛”会议论文集[C],中国投资担保公司,2006.
[3]肖新民,再担保业务的探讨“2004中国担保论坛”会议论文集[C],中国投资担保公司,2004.
[4]狄娜,2010年9月在第十一届全国中小企业信用担保机构负责人联席会议上的讲话.
[5]张忠慧,简论再担保功能,黑龙江担保,2009年第三期.
[6]刘新来,信用担保概论与实务,经济科学出版社,2003年版.
[7]中国担保论坛,中国经济技术投资担保有限公司.
[8]中国担保,全国中小企业信用担保机构负责人联席会.
[9]注册金融风险管理师手册Ⅳ,操作风险篇.
[10]徐克勤、胡平生,我国再担保体系建设模式研究,厦门市财政局,特区财会,特区财会2012第3期.
[2]刘铭、刘征,我国再担保体系建设初探[A].“2006中国担保论坛”会议论文集[C],中国投资担保公司,2006.
[3]肖新民,再担保业务的探讨“2004中国担保论坛”会议论文集[C],中国投资担保公司,2004.
[4]狄娜,2010年9月在第十一届全国中小企业信用担保机构负责人联席会议上的讲话.
[5]张忠慧,简论再担保功能,黑龙江担保,2009年第三期.
[6]刘新来,信用担保概论与实务,经济科学出版社,2003年版.
[7]中国担保论坛,中国经济技术投资担保有限公司.
[8]中国担保,全国中小企业信用担保机构负责人联席会.
[9]注册金融风险管理师手册Ⅳ,操作风险篇.
[10]徐克勤、胡平生,我国再担保体系建设模式研究,厦门市财政局,特区财会,特区财会2012第3期.