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小微企业信用担保完全由市场供应必然产生供不应求,而传统的政府主导模式也不能解决现实中的供给瓶颈,只有坚持市场对资源配置的决定性作用,同时充分发挥政府对市场失灵的修正和补充,才能有效增加担保供给,根解小微企业信用担保供求失衡难题。文章尝试建立小微企业信用担保博弈模型并对政府与担保机构博弈进行理论分析,阐明构建政府与市场新型关系的意义及主要内容,进而现实地审视政府主导型模式给小微企业担保供给带来的弊端与制约,最后提出重塑政府与市场关系,建设引导型政府,促进小微企业信用担保产品供给增长的对策建议。
However, the traditional government-led model can not solve the supply bottleneck in reality. Only by insisting on the decisive role of the market in allocating resources and giving full play to the government’s amendment and supplement of market failure, Can we effectively increase the supply of guarantees and solve the imbalance between supply and demand of credit guarantee in small and micro enterprises. This paper attempts to establish a micro-enterprise credit guarantee game model and theoretical analysis of the game between the government and guarantee agencies to clarify the meaning and main content of building a new type of relationship between the government and the market, and then a realistic examination of the government-led model for small and micro enterprises guarantee supply brought Finally, it puts forward countermeasures and suggestions on how to reshape the relationship between government and market, build a guide-type government and promote the supply of credit guarantee products to small and micro enterprises.