乡镇企业信用担保的问题与对策分析

当前,我国乡镇企业信用担保存在着承担巨大的信用风险以及缺乏资金补偿机制等问题。因此,应发挥政府引导作用,加快社会信用制度建设,扩大担保机构的资金来源,规范担保机构的运行机制,加强担保机构的风险管理,积极开展担保机构的业务创新,在业务创新中防范和化解风险。解决乡镇企业信用担保机构所面临的一系列问题,对解决乡镇企业贷款难问题具有十分重要的意义。

Problem and Countermeasure Analysis of Credit Guarantee of Township Enterprises

At present,there were problems in credit guarantee of township enterprises in China,such as great credit risk and lack of funds compensation mechanism.Therefore,the guidance function of government should be played and the risk management of guarantee institutions should be strengthened.Service innovation of guarantee institutions should be actively carried out.The risk should be prevented and deleted during service innovation.It had great significance for solving the loan difficulty of township enterprises to solve a series of questions in credit guarantee institutions of township enterprises.