DB再担保公司再担保体系的改进研究

发布时间：2018-01-04 19:08

本文关键词：DB再担保公司再担保体系的改进研究　出处：《东北大学》2013年硕士论文　论文类型：学位论文

【摘要】：融资难问题已经成为制约我国中小企业发展的障碍,为此,我国采取建立中小企业信用担保体系来解决融资难问题,并取得了不错的成果。然而,随着担保行业的迅速发展,担保机构普遍存在规模小、放大倍数低、合作银行少、承担的风险过大等问题逐渐显现出来,解决这些问题的有效方式是建立再担保体系。DB再担保公司是东北中小企业信用再担保股份有限公司在辽宁省设立的分公司,旨在提升辽宁省担保机构市场信用和融资担保能力,不断完善辽宁区域中小企业信用担保体系,有效缓解中小企业融资难问题。经过近四年的建设,再担保体系已初步形成规模,但仍然存在着准入条件严格、评级授信偏低、业务定位不明晰等问题。本论文对再担保体系中存在的问题进行深入剖析,然后通过辽宁省再担保市场需求分析,并结合国内外再担保体系的实践经验,试图提出有针对性的改进建议。论文提出通过调整担保机构准入和授信评级指标体系、建设地区性再担保平台、建立担保机构奖惩和退出机制来完善体系内部管理；在再担保业务操作方式上,DB再担保公司要将业务定位在主营再担保并适度兼营差异化直接担保业务,针对担保机构需求分层次开展业务合作,设计可批量化操作的标准化再担保产品,同时加强对担保机构风险的防范并建立风险预警制度；在增强银保关系协调机制方面,提出要督促银行逐步落实分险承诺和建立再担保信息共享平台。DB再担保公司再担保体系的完善和改进对辽宁区域担保行业的健康发展意义重大,而相关的研究也任重而道远。本文希望通过对再担保体系中存在的问题提出解决办法和思路,使辽宁区域再担保体系进入一个规范有效的运营模式中,从而改善辽宁省中小企业的融资环境。
[Abstract]:The problem of financing difficulties has become an obstacle to the development of small and medium-sized enterprises in China. For this reason, China has adopted the establishment of credit guarantee system for SMEs to solve the problem of financing difficulties, and has achieved good results. With the rapid development of the guarantee industry, the guarantee agencies generally have the problems of small scale, low magnification, less cooperative banks and excessive risks. The effective way to solve these problems is to set up a reguarantee system. DB reguarantee Company is a branch of Northeast small and Medium-sized Enterprises Credit reguarantee Co., Ltd in Liaoning Province. In order to improve the market credit and financing guarantee ability of guarantee institutions in Liaoning province, improve the credit guarantee system of small and medium-sized enterprises in Liaoning, effectively alleviate the financing difficulties of small and medium-sized enterprises. After nearly four years of construction. The reguarantee system has been formed initially, but there are still some problems, such as strict access conditions, low credit rating, unclear business positioning, etc. In this paper, the existing problems in the reguarantee system are deeply analyzed. Then through Liaoning Province reguarantee market demand analysis, and combined with domestic and foreign reguarantee system of practical experience. This paper tries to put forward targeted suggestions for improvement. This paper proposes to build a regional reguarantee platform by adjusting the index system of admission and credit rating of guarantee agencies. Establishing the mechanism of rewards, punishments and withdrawal of guarantee institutions to perfect the internal management of the system; In the operation mode of reguarantee business, the reguarantee company should position its business in the main reguarantee and conduct the differentiated direct guarantee business in a moderate degree, and carry out business cooperation according to the needs of the guarantee organization. Designing standardized reguarantee products that can be operated in batches, strengthening the risk prevention of guarantee institutions and establishing risk warning system; To strengthen the coordination mechanism of the bank and insurance relationship. It is of great significance for Liaoning regional guarantee industry to perfect and improve the reguarantee system of the bank to carry out the sub-risk commitment step by step and establish the reguarantee information sharing platform .DB reguarantee company. And the related research also has a long way to go. This paper hopes to put forward solutions and ideas to the problems existing in the reguarantee system, so that Liaoning regional reguarantee system into a standardized and effective operation model. In order to improve the financing environment of small and medium-sized enterprises in Liaoning Province.
【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39

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