绝大多数信贷担保公司虽然在享受政府缓解中小企业融资难的优惠政策,却在变相地从事非信贷担保业务.基于制度变迁的分析表明,单一的信贷担保业务无法维持公司的生存,所以担保公司必然会偏离主业,去追逐制度变迁中的潜在收益,经营高收益项目.然而,这轮制度变迁才刚出现初级行动团体,而紧随变迁趋势的阶段性行动方案尚在酝酿之中.因此,建议政府适时引导担保公司在业务拓展中培育核心竞争力.
Investigating results indicate that most collateral companies benefit from the special policies given by government to resolve financing difficulty of middle-small-sized firms, but those companies covertly carry out other non-collateral occupation. Analysis based upon institution transformation suggests that single collateral opera- tion can not give enough bread to collateral companies, so collateral company would necessarily depart from the main operation and chase the potential profit in the process of institutional transformation, by undertaking profitable items. Such an institutional transformation is at the beginning step, i.e. the initial acting group has come into be- ing and the operational program directing every step of institution transformation is in the air. So government is ad- vised to direct collateral company to try their best to take shape their core-competitiveness in the process of opera- tional expansion.