中小企业互助性信用担保法律问题研究

发布时间：2018-03-21 19:14

本文选题：互助性信用担保　切入点：行业属性　出处：《内蒙古大学》2015年硕士论文　论文类型：学位论文

【摘要】：中小企业自身缺乏可抵押的财产,且其信用等级不能达到银行发放贷款的要求,所以,在向银行融资的过程中存在困难。企业为解决自我融资困难的问题所探索出来的互助性信用担保,为解决中小企业自身融资困难的问题上发挥了重要的作用。通过对互助性信用担保机构的研究发现,互助性信用担保机构的行业属性不清晰,行业属性的不清晰影响了监管制度的设立。现行法律规定的担保机构的设立标准不适应互助性信用担保机构。现行的行政监管模式不能够有效的对担保机构进行监管。就担保机构自身而言,担保机构内部治理不合理,再担保制度不完善,规模较小,与银行谈判中处于劣势,抗风险能力差。所以需要明确信用担保的行业属性,即属于金融行业。建立适合互助性信用担保机构发展的设立条件。将现行的行政监管模式改为专门的行业监管模式,同时发挥行业协会的监管作用和信用等级评级等市场监管的作用。加强对担保机构的内部治理,完善再担保制度,增强实力,与银行平等谈判,以提高抗风险能力。
[Abstract]:Small and medium-sized enterprises themselves lack mortgaged property and their credit rating does not meet the requirements of banks for loans, so, There are difficulties in the process of financing from banks. Mutual credit guarantees explored by enterprises to solve the problem of self-financing difficulties, In order to solve the problem of financing difficulties of small and medium-sized enterprises, it has played an important role. Through the study of mutual credit guarantee agencies, it is found that the industry attributes of mutual credit guarantee organizations are not clear. The unclear nature of the industry affects the establishment of the regulatory system. The standards for the establishment of guarantee agencies under the current law are not suitable for mutual credit guarantee agencies. Regulation... as far as the sponsoring agency is concerned, The internal governance of the guarantee institution is unreasonable, the guarantee system is not perfect, the scale is small, the negotiation with the bank is at a disadvantage, and the ability to resist risks is poor. Therefore, the industry attribute of the credit guarantee needs to be clearly defined. That is to say, it belongs to the financial industry. The establishment conditions suitable for the development of mutual-aid credit guarantee institutions should be established. The current administrative supervision model should be changed into a specialized industry supervision model. At the same time, we should give full play to the regulatory role of trade associations and market supervision such as credit rating, strengthen the internal governance of guarantee institutions, improve the reguarantee system, strengthen the strength, and negotiate equally with banks in order to improve the ability to resist risks.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28;D923

【参考文献】