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当前中小企业贷款难是一个不争的事实,为了解决这个影响地方经济发展的“瓶颈”问题,地方政府在实践中,将宏观调控的手伸进了金融信贷之中,其中一个较为常用的方法就是政府进行信贷审查,即选定放贷银行和固定担保机构,然后采取信用保证的方式与银行、担保公司合作。政府在这种合作中具有特殊的法律关系和地位,当金融信贷风险出现时,这种特殊法律关系所确定的不真正的信用保证责任,要求政府承担赔偿责任,然后取得赔偿金额的债权转让,能够达到一定程度的控制银行信贷资金风险的作用。
At present, it is an indisputable fact that the loan of SMEs is an indisputable fact. In order to solve this “bottleneck” problem that affects local economic development, local governments, in practice, put their hands on macro-control into financial credit. One of the more commonly used The method is that the government conducts a credit check, that is, selects a lending bank and a fixed guarantee agency and then uses a credit guarantee to work with banks and guarantee companies. The government has a special legal relationship and position in such cooperation. When the financial credit risk arises, the non-genuine credit guarantee responsibility determined by this special legal relationship requires the government to bear the liability for compensation and then obtain the compensation for the creditor’s rights transfer. Can achieve a certain degree of control of the role of bank credit risk.