首页|合作担保机构视角下风险补偿基金管理问题及对策——以湖南省岳阳市为例

合作担保机构视角下风险补偿基金管理问题及对策——以湖南省岳阳市为例

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《岳阳市普惠金融发展风险补偿基金管理暂行办法》于2022年5月19日颁布,其中所指风险补偿基金用于引导合作银行、合作担保机构为民营企业、"三农"主体、创新创业、战略性新兴产业等普惠主体提供担保贷款支持,并对合作担保机构的担保代偿损失按比例给予风险补偿.本文基于合作担保机构视角对风险补偿基金的管理中存在的相关问题进行探讨,提出了降低风险的方法,为风补基金后续审查制度的制定提供参考,也为申请企业获得风补基金资源提供借鉴.
Management Issues and Countermeasures of Risk Compensation Funds from the Perspective of Cooperative Guarantee Institutions——Taking Yueyang City as an Example
The Interim Measures for the Management of the Risk Compensation Fund for the Development of Inclusive Finance in Yueyang City were promulgated on May 19,2022.The risk compensation fund referred to therein is used to guide cooperative banks and guarantee institutions to provide guarantee loan support for private enterprises,"agriculture,rural areas and farmers"entities,innovation and entrepreneurship,strategic emerging industries and other inclusive entities,and to provide risk compensation for the guarantee compensation losses of cooperative guarantee institutions in proportion.This article explores the relevant issues in the management of risk compensation funds from the perspective of cooperative guarantee institutions,proposes methods to reduce risks,and provides reference for the formulation of subsequent review systems for risk compensation funds,as well as for applying enterprises to obtain risk compensation fund resources.

Yueyang Citycooperative guarantee institutionsrisk compensation fundriskcountermeasure

谭璐

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岳阳市融资担保有限责任公司,湖南 岳阳 414000

岳阳市 合作担保机构 风补基金 风险 对策

2024

岳阳职业技术学院学报
岳阳职业技术学院

岳阳职业技术学院学报

影响因子:0.29
ISSN:1672-738X
年,卷(期):2024.39(4)
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