摘要
政府性融资担保肩负推动小微企业、"三农"等普惠金融高质量发展的重要使命.采用信息不对称理论研究金融担保市场运行与风险管理,结果表明:政府担保在一定程度上解决了担保市场的信息不对称问题,但也带来新的风险,包括对政府性融资担保机构功能定位认识不到位、风险分担机制不足导致政策性业务难以开展、担保机构风险控制体系不健全等问题.因此,有必要通过数字化转型降低信息获取成本,提升风险控制体系,完善管理体制机制,以及出台融资担保业务政策体系等方式推动龙岩市政府性融资担保体系建设,助力实现普惠金融高质量发展目标.
Abstract
Government financing guarantee shoulders the important mission of promoting the high-quality development of inclusive finance such as small and micro enterprises,agriculture,rural areas and farmers.The theory of information asymmetry is the basic theory for studying the operation and risk management of the financial guarantee market,and theoretical studies have shown that government guarantees have solved the problem of information asymmetry in the guarantee market to a certain extent,but they also bring new risks,including the lack of understanding of the functional positioning of governmental financial guarantee institutions,the difficulty of carrying out policy business due to the insufficiency of the risk sharing mechanism,and the inadequacy of the guarantee institution's risk control system,among other problems.Therefore,it is necessary to reduce the cost of information acquisition,improve the risk control system,improve the management system and mechanism,and introduce the financing guarantee system of financing guarantee business,to help achieve the high-quality development goal of inclusive finance in Fujian.
NETL
NSTL
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