论文部分内容阅读
财政介入中小企业信用担保 ,是日本中小企业政策的一个组成部分。日本财政介入中小企业信用担保的途径是多样的 ,政府直接出资、政策性融资、信用保险制度、损失补偿制度等等 ,共同构成了长效化、制度化的财政支持体系。日本财政不是一般地介入中小企业信用担保 ,而是遵循一定的方式 ,这些方式从不同的侧面保证了财政资金运营的“公共性”、“完整性”和“效率性” ,是财政能够持久介入中小企业信用担保的关键所在。日本财政介入中小企业信用担保 ,给中小企业、财政、担保机构及金融体系都带来了积极的效果。日本的实践表明 ,财政介入中小企业信用担保不仅具有经济效果 ,而且对于促进社会、经济的协调发展具有不可忽视的作用。
Financial intervention in SME credit guarantee is an integral part of Japan’s SME policy. Japan’s financial intervention in SME credit guarantee is diversified. The direct government funding, policy financing, credit insurance system and loss compensation system all form a long-term and institutionalized financial support system. Instead of generally involving SME credit guarantee, Japan’s fiscal policy follows a certain approach, which guarantees the “publicity”, “integrity” and “efficiency” of the operation of fiscal funds from different aspects and is a measure of long-term financial intervenience SMEs credit guarantee the key. Japan’s financial intervention in SME credit guarantees has brought positive effects to SMEs, finance, guarantee agencies and the financial system. Japanese practice shows that the financial intervention in SME credit guarantee not only has economic effects, but also plays an important role in promoting the coordinated development of society and economy.