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浙江民营企业在近10年的发展中,面对融资难的窘境,广泛运用了一种企业间互保、联保的担保模式,同时形成了复杂的担保链。这种模式在浙江带来了积极财富效应的同时,也随着经济的下滑,担保链的破裂危机而造成大面积的株连影响。本文通过对浙江省企业间互保、联保模式及担保链现状的初步了解,并结合相关典型案例,分析浙江企业担保链现状的问题所在和破裂危机产生的原因,最后总结和提出完善此种担保模式的建议措施。
In the recent 10 years of development, private-owned enterprises in Zhejiang Province have widely adopted a guarantee mode of mutual-service and guaranteed-to-business cooperation in the face of the difficult situation of financing difficulties and formed a complicated chain of guarantee at the same time. This model has brought a positive wealth effect in Zhejiang at the same time, but also with the economic downturn, the chain of crisis rupture caused by a large area of strains. Based on the preliminary understanding of the mutual insurance, the mode of UNPROFOR and the status quo of the guarantee chain in Zhejiang Province, this paper analyzes the current situation of the guarantee chain in Zhejiang Province and the causes of the rupture crisis with the typical cases. Finally, it summarizes and proposes to perfect this Recommended mode of guarantee mode.