中小企业创新融资方式下担保法律机制研究

发布时间：2018-03-04 00:36

本文选题：中小企业　切入点：创新融资　出处：《西南科技大学》2015年硕士论文　论文类型：学位论文

【摘要】：国内中小企业融资难问题存在已久,中小企业具有的可供抵押资产少、信用级别低等弱势使得这些企业很难在传统金融机构获得融资来源。传统间接融资方式很难调和银企需求不同之间的矛盾。发行集合债等适合中小企业的创新融资方式能很好的解决这些企业的融资难问题。创新融资方式下中小企业大多无实物资产可供抵押,而是采用信用担保。在这个过程中,中小企业的信用明显不足,担保增信在中小企业采用创新融资方式进行融资的过程中非常重要,国内传统融资方式下的担保模式及与之匹配的法律制度存在明显缺陷与不足,例如政府担保、联合担保等担保方式在国内目前尚无与之匹配的法律法规等,严重阻碍了担保企业担保增信作用的发挥。通过完善法律法规的方式,妥善疏通解决中小企业创新融资过程中遇到的担保难问题,使得在创新融资方式下,担保增信的作用能够更好的发挥并做到有法可依。
[Abstract]:Domestic small and medium-sized enterprises (SMEs) have had a long history of financing difficulties, and small and medium-sized enterprises (SMEs) have less mortgaged assets. The weakness of low credit level makes it difficult for these enterprises to obtain financing sources in traditional financial institutions. Traditional indirect financing methods are difficult to reconcile the contradiction between the different needs of banks and enterprises. Innovative financing suitable for small and medium-sized enterprises such as issuing pooled debt. The capital method can solve the financing problem of these enterprises very well. Under the innovative financing mode, most of the small and medium-sized enterprises have no physical assets to mortgage. But credit guarantees. In this process, the credit of small and medium-sized enterprises is obviously inadequate, and guarantee credit enhancement is very important in the process of SMEs using innovative financing methods to finance. There are obvious defects and shortcomings in the domestic traditional financing mode and corresponding legal system, such as government guarantee, joint guarantee and so on, there are no corresponding laws and regulations in our country at present. By perfecting the laws and regulations, properly solving the guarantee problem encountered in the process of innovative financing of small and medium-sized enterprises, so that under the innovative financing mode, Guarantee increase the function of credit can play a better role and do according to the law.
【学位授予单位】：西南科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.291.91

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