中小企業融資授信實務與風險轉嫁之實務研討

A Study of "The Practice of Small and Mediun Enterprises Loan and Risk Transfer"

曾信超(Shin-Chau Tseng) ； 黃新宗(Shin-Tsung Huang)

《興國學報》 5期 (2006/01) Pp. 75-94

https://doi.org/10.29950/JHKUM.200601.0006

摘要

中小企業信用保證基金成立宗旨為：「對具有發展潛力但缺乏擔保品之中小企業，提供信用保證，協助其獲得金融機構之融資與授信，另一方面分攤金融機構之風險，提高金融機構對中小企業融資之信心與意願」。中小企業在台灣經濟發展上扮演著相當重要角色，但因近年來之國際景氣衰退，中小企業融資更為困難，因此，中小企業信用保證基金扮演之『信用保證』提供功能，或是運用保險經營上大數法則，以信用保險方式，來加強融資授信風險分攤，就更顯為重要，但因中小企業競爭日趨激烈，如何降低信用風險與規避道德風險（moral hazard）是中小企業信用保證基金、產物保險公司與金融機構必須面對之重要課題。

並列摘要

The objective of the Small And Medium Credit Guarantee Fund is to provide credit guarantee to those small and medium enterprises that in normal operation but are short of collateral for external financing. The small and medium enterprises play an extremely important role in the economic structure in Taiwan。In early 1970's a great number of small and medium enterprises suffered from the recession and inflation brought up by the oil crisis. At the time the banking institutions turned to be conservative and request very stringent collateral requirements on small and medium enterprises' loan applications. Small and medium enterprises thus encountered great difficulties in obtaining financing. To cope with these situations, the SMCGF was established in 1974 to strengthen the financing or use the law of large number『Credit Insurance』to assistance SMES. But the default rates in banking institution are worse day by day, how to control and reduce the default loss and moral risk in banking institutions is very important for SMCGF and financial organizations.

並列關鍵字

Small And Medium Credit Guarantee Fund ； Credit Insurance ； Small And Medium ； Enterprises ； Moral Risk ； Default risk ； Suborgation

參考文獻

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