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京津冀协同发展是国家的重要发展战略,为京津冀地区发展带来了新的挑战和机遇,更好的实现信息的交流和融合。对于民营中小企业来说,融资难的问题一直是困扰其发展的主要因素,造成其融资难的主要原因是银行和企业之间信息不对称,而且研究表明解决银行和企业间信息不对称问题的主要措施是成立中小企业信用担保机构。基于此,本文首先分析了京津冀协同发展进程中,中小企业信用担保机构面临的机遇与挑战,并提出了京津冀民营中小企业担保机构建立有效信用担保制度相关对策建议,为京津冀协同发展下,银行、担保机构和企业实现更好的信息共享提供一定的借鉴。
The coordinated development of Beijing, Tianjin and Hebei is an important national development strategy, bringing new challenges and opportunities for the development of the Beijing-Tianjin-Hebei region and better realizing the exchange and integration of information. For small and medium-sized private enterprises, the problem of financing difficulty has always been a major factor that plagued its development. The main reason for its difficulty in financing is the asymmetric information between banks and enterprises. Studies have shown that the solution to the problem of information asymmetry between banks and enterprises The main measure is to establish a credit guarantee agency for SMEs. Based on this, this article first analyzes the opportunities and challenges faced by SME credit guarantee agencies in the process of synergistic development of Beijing, Tianjin and Hebei, and puts forward some countermeasures and suggestions on how to establish effective credit guarantee system for private SME guarantee agencies in Beijing, Tianjin and Hebei Province. Under the coordinated development, banks, guarantee agencies and enterprises can provide some reference for better information sharing.