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基于产权经济学视角,指出信用保证制度是加强以银行为代表的间接金融资源与中小企业间信用关系链条的可行制度安排。目前,我国商业化运作的融资性担保公司不能够承担信用保证制度所应担负起的加强信用关系的职能,这是由其产权主体固有的属性与我国大的金融宏观环境不匹配所导致的。倡导建立政府主办的旨在加强银行与中小企业信用关系链条的政策性信用保证制度。
Based on the perspective of property right economics, it is pointed out that the credit guarantee system is a feasible system arrangement to strengthen the indirect financial resources represented by banks and the chain of credit between SMEs. At present, the commercialized financing guarantee company in our country can not bear the function of strengthening the credit relationship which the credit guarantee system should take. This is caused by the mismatch between the inherent property of the main body of property rights and the macro financial environment of our country. Advocating the establishment of a government-sponsored policy aimed at strengthening the credit relationship between banks and SME credit guarantee system.