ZDICP园区担保公司担保风险控制研究
发布时间:2018-01-22 05:33
本文关键词: ZDICP园区 中小企业 融资困难 信用担保 风险管理 出处:《广西师范大学》2014年硕士论文 论文类型:学位论文
【摘要】:在我国的经济发展过程中,中小企业扮演着越来越重要的作用,其在促进市场经济的发展以及在解决就业问题等均作出了巨大的贡献。然而由于中小企业的信息不对称,使其存在着融资困难,这制约了中小企业的进一步发展。中小企业存在着规模小、资金不足、人才匮乏等原因,这使得中小企业相对于大型企业来说,资信度较低,风险更高,寿命短暂,这一切不利因素使得中小企业融资困难成为世界性的难题。国内外众多学者对中小企业融资难问题做了大量的研究,中小企业信用担保机构的产生提供的信用担保也成为了解决中小企业融资难问题的重要手段。由于中小企业信用担保机构与中小企业之问存在着信息不对称,担保机构在其实际担保业务的过程中存在很多问题,在交易过程不可避免地要承担来自于贷款银行与受保企业双重的逆向选择和道德问题,面临着较高的担保风险。又由于中小企业信用担保机构在与贷款银行就担保合作过程中存在着不对等的关系,贷款银行往往利用自身的有利地位,迫使信用担保机构承担着全部的担保风险,将贷款风险转移给了信用担保机构,使得信用担保机构面临着更大的代偿风险。因而对风险的有效管理成为了中小企业信用担保机构生存和发展的关键。本文试图在担保风险管理理论的基础上,探索着风险的来源以及风险成因分析,为中小企业信用担保机构提出有效的风险管理方法。最后基于南京市ZDICP园区的入园企业的现状及其知识产权情况,对园区担保公司进行SWOT分析,为ZDICP园区担保公司为园区中小企业的融资担保做好对策建议。
[Abstract]:In the process of economic development in China, small and medium-sized enterprises play a more and more important role. It has made great contribution in promoting the development of market economy and solving the employment problem. However, because of the information asymmetry of small and medium-sized enterprises, it has difficulty in financing. This restricts the further development of small and medium-sized enterprises. Small and medium-sized enterprises have small scale, lack of funds, lack of talent and other reasons, which makes small and medium-sized enterprises, compared with large enterprises, the low level of capital trust, higher risk. Life is short, all these adverse factors make the financing difficulties of SMEs become a worldwide problem. Many scholars at home and abroad have done a lot of research on the financing difficulties of SMEs. The credit guarantee provided by the SME credit guarantee institution has also become an important means to solve the financing difficulties of SMEs, because of the information asymmetry between the SME credit guarantee institution and the SME. The guarantee institution has many problems in the process of its actual guarantee business. In the course of transaction, it is inevitable to bear the adverse selection and moral problems from the loan bank and the insured enterprise. Faced with higher guarantee risk, and because of the credit guarantee institutions of SMEs in the process of cooperation with the loan bank on the guarantee of the existence of unequal relationship, the loan banks often take advantage of their own favorable position. The credit guarantee institution is forced to bear all the guarantee risk, and the loan risk is transferred to the credit guarantee institution. Therefore, the effective management of risk has become the key to the survival and development of SMEs credit guarantee institutions. This paper tries to base on the theory of guarantee risk management. Explore the source of risk and risk analysis. Finally, based on the status quo and intellectual property rights of the ZDICP Park in Nanjing, the SWOT analysis of the park guarantee company is carried out. For the ZDICP Park guarantee company for the park SMEs financing guarantee to do a good job.
【学位授予单位】:广西师范大学
【学位级别】:硕士
【学位授予年份】:2014
【分类号】:F832.39;F272.3
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1 江利芳;ZDICP园区担保公司担保风险控制研究[D];广西师范大学;2014年
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