论文部分内容阅读
近几年,受温州经济风波的影响,企业融资难,融资贵成为社会关注的热点。为解决这一问题,温州各界,包括政府、民间机构都出谋划策,千方百计寻求解决之道。其中包括贷款展期、续贷、“债务平移”“担保池”等做法,但都没有能有效解决担保链问题,也没有从根本上化解担保链的风险,只是延缓风险爆发的时间,并且由于漏洞无法填补,包括利息继续增长,支付的社会代价反而更大。而利用保险解决融资难问题,作为一种经济运行机制正在逐步被社会认可,并被实践证明是行
In recent years, affected by the economic turmoil in Wenzhou, it is difficult for enterprises to raise funds and become a hot spot for social concern. In order to solve this problem, all walks of life in Wenzhou, including the government and non-governmental organizations, have made suggestions and tried their best to find solutions. Including loan extension, loan renewal, “debt pan ” “guarantee pool ” and other practices, but failed to effectively solve the chain problem, nor to fundamentally dissolve the chain risk, but to delay the risk of the outbreak , And because of loopholes can not be filled, including interest continues to grow, the social cost of the payment is even greater. The use of insurance to solve the problem of financing, as a kind of economic operation mechanism is gradually recognized by the community, and has been proven to be the line