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小微企业信用保证基金是政府推进政策性融资担保体系建设的重要载体,是建立健全小微企业融资政府增信机制的关键一环,是缓解小微企业融资难、融资贵问题的一项突破性举措,同时有助于引导中小微企业融资行为与产业转型升级相结合,促进政府、银行、企业三方实现互惠互利、合作共赢。本文从制度设计层面对浙江温州信保基金进行了深入分析,从实际运作层面详细介绍了温州信保基金挂牌运营以来的发展成效,指出了其发展过程中存在的突出问题,并给出了进一步推动信保基金发展的措施建议。
The micro-enterprise credit guarantee fund is an important carrier for the government in promoting the construction of a policy-based financing guarantee system and a key part of establishing and improving the government credit enhancement mechanism for small and micro-enterprises financing. It is also a breakthrough in alleviating the financing difficulties and financing problems of small and micro-sized enterprises It will also help guide the combination of SME financing activities with industry restructuring and upgrading so as to promote mutual benefits and win-win cooperation between the government, banks and enterprises. This article carries out an in-depth analysis of Zhejiang Wenzhou Insuring Fund from the aspect of system design, and gives a detailed introduction of the development achievements of Wenzhou Insuring Fund listed from the actual operation level, points out the prominent problems in the process of its development, Recommended measures for the development of the fund.