[1]李丽.小额信贷担保存在的问题及风险规避[J].金融教育研究,2012,(06):25-28.
 LI Li.Small- Credit Guarantee'S Existing Problems and Risk Evasion[J].,2012,(06):25-28.
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小额信贷担保存在的问题及风险规避()
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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2012年06期
页码:
25-28
栏目:
出版日期:
2012-12-31

文章信息/Info

Title:
Small- Credit Guarantee'S Existing Problems and Risk Evasion
作者:
李丽;
中国人民银行乌鲁木齐中心支行,新疆乌鲁木齐,830002
Author(s):
LI Li
关键词:
消费信贷担保应对策略
Keywords:
consumer credit guarantee coping strategies
分类号:
F830.4
文献标志码:
A
摘要:
小额信贷的担保作为个人与银行信贷业务的一种中介,既是银行今后规避信贷风险的重要方式,又是个人信贷的一种重要手段。近年来,小额信贷的担保得到了初步的发展,但其中存在的问题较多,尤其是担保信用得不到切实保障。因此需要从实现担保业务的多元化入手,建立风险分担机制,借鉴西方信贷担保的成功思路,设立信贷担保基金,以尝试在农业、住房、医疗、救灾等社会保障体系中运用信贷担保机制来解决一些突出的社会问题。
Abstract:
As a kind of intermediary between individual and bank credit management, the guarantee of small credit is not only an important way to avoid the credit risk of bank in the future, but also an important means of individual credit. In recent years, small credit guarantees have obtained the primary development, but still have lots of questions, in particularly, guarantee credit can not be acquired practical protection. Therefore, it needs to start from the diversification of the guarantee business, by establishing risk sharing mechanisms, using successful ideas of western credit guarantees for reference, setting up credit guarantee funds to solve some prominent social problems by applying credit guarantee mechanisms in social security systems, such as agriculture, housing, medical care, disaster relief, and so on.

参考文献/References:

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更新日期/Last Update: 1900-01-01