摘要
小微企业普遍存在"麦克米伦缺陷",其根源在于制度方面的约束。依靠传统融资方式难以解决小微企业融资难的困境,因此探寻其融资的保险机制在当前具有实际意义。解决小微企业"麦克米伦缺陷"的保险机制主要包括四个方面:一是进行小微企业的信用增级;二是增强商业银行信贷资金的安全性;三是深化对小微企业的信用担保;四是借助保险资金运用。最后,基于商业保险公司、商业银行、担保公司和融资租赁公司进行主体之间合作以及进行保险资金运用的视角提出具体的路径。
The 'Macmillan Defect' is rather common in small and micro enterprises, which is originated from system constraint. For it is almost impossible to solve the financing dilemma of small and micro enterprises solely through traditional financing, currently, it is of practical significance to explore the financing insurance mechanism. The insurance mechanism to solve the 'Macmillan Defect' of small and micro enterprises mainly covers the following four aspects: to improve credit rating of small and micro enterprises, to strengthen credit funds security of commercial bank, to deepen credit guarantee to small and micro enterprises and to draw support of using of insurance funds. Finally, the article proposed specific paths from viewpoints based on the mutual cooperation among commercial insurance companies, commercial banks, security companies and financial leasing companies, and the using of insurance funds.
出处
《当代经济管理》
CSSCI
2016年第7期94-97,共4页
Contemporary Economic Management
基金
山东省自然科学基金项目<山东省农村养老普惠金融指数测度及商业可持续性研究>(ZR2015GM016)
金融产业优化与区域发展管理协同创新中心项目<山东省农村普惠金融运作及风险控制研究>(14xtyb01
14AWTJ01-7)
"政府规制与公共政策"泰山学者建设工程专项经费资助
关键词
小微企业
麦克米伦缺陷
保险机制
small and micro enterprises
the 'Macmillan Defect'
insurance mechanism
作者简介
张细松（1974-）,男,湖北黄冈人,山东财经大学公共管理学院副教授,农村金融与社会保险研究所所长,经济学博士,研究方向：金融与保险。
刘素春（1972-）,女,山东济南人,山东财经大学保险学院教授,经济学博士,研究方向：保险理论。
孙丽（1987-）,女,山东章丘人,山东财经大学公共管理学院硕士研究生.
