贵州财经大学学报

›› 2016 ›› Issue (01): 43-52.

• 金融经济 • 上一篇    下一篇

融资担保机构服务效率地区差异与有效服务区间——基于不同模式担保机构的调查

薛菁1, 邓帆帆1, 肖敏娜2   

  1. 1. 福建江夏学院财务与会计研究中心, 福建 福州 350108;
    2. 贵州财经大学, 贵州 贵阳 550025
  • 收稿日期:2016-07-19 出版日期:2017-01-15 发布日期:2016-01-11
  • 作者简介:薛菁(1970-),女,福建福州人,福建省社科研究基地福建江夏学院财务与会计研究中心教授,经济学博士,研究方向为财政与金融;邓帆帆(1983-),福建福州人,管理学硕士,讲师,研究方向为财政与金融;肖敏娜(1981-),女,四川金堂人,贵州财经大学。
  • 基金资助:

    国家社科基金一般项目“中小企业融资服务体系中政府与市场作用有效性研究”（14BJY198）阶段性研究成果；福建省社科规划社科研究基地重大项目“不同担保模式下中小企业融资担保服务效率地区差异、有效作用区间与主导模式选择”（2015JDZ047）阶段性研究成果。

Regional Difference of Guarantee Institutions' Service Efficiency and its Effective Service Section-Based on the Survey of Different Modes of Guarantee Institutions

XUE Jing1, DENG Fan-fan1, XIAO Min-na2   

  1. 1. Finance and Accounting Research Center, Fujian Jiangxia University, Fuzhou, Fujian 350108, China;
    2. Guizhou University of Finance and Economics, Guiyang, Guizhou 550025, China
  • Received:2016-07-19 Online:2017-01-15 Published:2016-01-11

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摘要： 以15个城市204家融资担保机构的问卷调查数据为基础，对政策性担保机构、商业性担保机构、互助性担保机构为中小企业融资担保服务的效率进行实证考察，结果显示三种模式担保机构的服务效率具有明显的地区性差异。地区经济发展状况、产业集聚程度、企业信用体系发育程度、政府的支持程度、中小企业资金需求程度、商业银行的发达程度与地理位置等，是造成不同模式担保机构融资服务效率出现地区差异的主要因素，影响程度因地区而异。这些结论为界定三种模式担保机构在中小企业融资服务中的有效区间提供了依据。

关键词: 融资担保机构, 中心企业融资服务效率, 地区差异, 有效服务区间

Abstract: We design questionnaires to get basic data from 204 financing guarantee institutions in 15 cities to analyze the financing guarantee service efficiency of policy guarantee agencies, commercial guarantee agencies and mutual guarantee agencies for small and medium enterprises. Conclusions from the empirical analysis reveal that the function of the above guarantee institutions in financing service system for small and medium enterprises varies in different areas. Regional economic development, industry concentration degree, the level of enterprise credit system, the degree of government support, the fund demand of small and medium enterprises and the development and location of commercial banks are the main factors to cause regional differences in financing guarantee service efficiency. Moreover, the impact of the above factors on the financing guarantee institutions is quite different accordingly. These conclusions provide a basis for reasonably defining the service function of the above three patterns of guarantee institutions in the financing service system for small and medium enterprises.

Key words: financing guarantee institutions, financing service efficiency for small and medium enterprises, regional difference, effective service section

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