摘要:信用担保对于贷款安全性具有重要的风险保障作用。相对于商业化和政策性的信用担保而言,互助信用担保更加适合县域经济及中小企业的融资需求特点,理应成为发展信用担保的主流模式。
关键词:信用担保;互助担保;差异分析
Abstract:Credit guarantee is an important risk barrier to keep loan security. Comparing with the commercial and policy guarantee, mutual guarantee is more suitable to the financial demands of country-area economy and small-medium-sized enterprises. It should be the main pattern to develop credit guarantee.
Key Words:credit guarantee,mutual guarantee,defference analysis
中图分类号:F830文献标识码:B文章编号:1674-2265(2009)09-0037-04
一、引言
最近几年,各种形式的信用担保得到迅速发展,对于缓解银行与中小企业信息不对称、弱化抵押不足和增加信贷安全保障等发挥了至关重要的作用。