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由于中小企业存在着规模小、发展程度较低,信用能力较差等诸多特点,普遍存在着融资难的问题,金融市场对中小企业的“金融歧视”使其难以获得扩大再生产的资本,这种歧视行为虽然规避了贷款机构所面临的贷款违约风险,但是严重阻碍了一些有潜力的中小企业进一步发展壮大,同时也不利于自身业务的扩展。本文对现存的商业担保机构的特点、现状进行了梳理,并对商业担保经营运行机制进行了简单的分析研究。
As there are many characteristics of small and medium-sized enterprises, such as small scale, low level of development and poor credit capability, the problem of financing difficulties is widespread. The “financial discrimination” of financial markets for SMEs makes it difficult to obtain the capital for expanded reproduction. Although such acts of discrimination have avoided the risk of loan defaults faced by lenders, they have seriously hindered the further growth and development of some potential SMEs, and at the same time they are not conducive to the expansion of their own businesses. This paper sorts out the characteristics and current situation of the existing commercial guarantee agencies and makes a simple analysis of the operation mechanism of commercial guarantee.