湖南担保公司再担保模式改进研究
发布时间：2018-11-08 19:23
【摘要】：中小企业信用担保业是国际上公认的高风险行业，风险和收益不能完全对等，更多体现的是政府扶持中小企业的政策导向，我国信用担保行业起步较晚但发展迅速。目前已初步形成“一体两翼四层”中小企业信用担保体系模式，这为中小企业解决融资难问题提供了可能，而再担保业务的开展是中小企业信用担保体系模式的重要组成部分。近年来，由于中小企业担保公司面临着诸如资金短缺、风险承担机制缺失等问题，使得许多中小企业担保公司面临着经营上的困难等问题，而承担再担保业务机构的迅猛发展，也为中小企业再担保业务的开展发挥了举足轻重的作用。 本文首先对信用担保理论、融资担保理论及信用再担保相关理论等理论进行总结，查找出已有研究中的不足和仍需进一步深入研究的地方，为本文的研究奠定理论基础。其次在对湖南担保公司主营业务再担保业务发展现状及运用模式分析的基础上，查找湖南担保公司在再担保业务和运营中存在的问题。然后提出了湖南担保公司再担保模式的内部管理制度；再担保的业务模式选择；再担保模式的资金保障和运用。并从以上的几个方面改进了湖南担保公司再担保模式体系框架。最后分别从组织领导、配套政策、内部管理制度以及金融机构的支持与利益分配等几个方面进行阐述，，提出了湖南担保公司新担保模式运营的保障措施。 本研究不仅对湖南担保公司再担保业务的开展有重大的指导意义，也对其他为中小企业开展再担保业务的担保公司提供一定的参考和借鉴作用。
[Abstract]:The credit guarantee industry of small and medium-sized enterprises is recognized as a high-risk industry in the world. The risks and benefits can not be completely equal, but more reflect the policy direction of the government to support the small and medium-sized enterprises. The credit guarantee industry of our country started late but developed rapidly. At present, the credit guarantee system model of "one body, two wings and four layers" has been initially formed, which provides the possibility for SMEs to solve the problem of financing difficulties, and the development of re-guarantee business is an important part of the SME credit guarantee system model. In recent years, because SMEs guarantee companies are faced with such problems as shortage of funds and lack of risk-bearing mechanism, many SMEs guarantee companies are faced with problems such as management difficulties, and the rapid development of undertaking re-guarantee business organizations. Also for the development of small and medium-sized enterprises re-guarantee business played a pivotal role. Firstly, this paper summarizes the theories of credit guarantee, financing guarantee and credit reguarantee, and finds out the deficiency of existing research and the places that need to be further studied, so as to lay a theoretical foundation for the research of this paper. Secondly, on the basis of the analysis of the current situation and the application mode of the reguarantee business of Hunan guarantee Company, the problems existing in the reguarantee business and operation of Hunan guarantee Company are found. Then it puts forward the internal management system of reguarantee mode of Hunan guarantee company, the choice of business model of reguarantee, and the fund guarantee and application of reguarantee mode. And from the above several aspects to improve the Hunan guarantee company reguarantee model system framework. Finally, from the aspects of organization leadership, supporting policy, internal management system, support and benefit distribution of financial institutions, the paper puts forward the safeguard measures of the new guarantee mode operation of Hunan guarantee Company. This research not only has great guiding significance for Hunan guarantee company to carry out reguarantee business, but also provides certain reference and reference to other guarantee companies that carry out reguarantee business for small and medium-sized enterprises.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39
本文编号：2319429
[Abstract]:The credit guarantee industry of small and medium-sized enterprises is recognized as a high-risk industry in the world. The risks and benefits can not be completely equal, but more reflect the policy direction of the government to support the small and medium-sized enterprises. The credit guarantee industry of our country started late but developed rapidly. At present, the credit guarantee system model of "one body, two wings and four layers" has been initially formed, which provides the possibility for SMEs to solve the problem of financing difficulties, and the development of re-guarantee business is an important part of the SME credit guarantee system model. In recent years, because SMEs guarantee companies are faced with such problems as shortage of funds and lack of risk-bearing mechanism, many SMEs guarantee companies are faced with problems such as management difficulties, and the rapid development of undertaking re-guarantee business organizations. Also for the development of small and medium-sized enterprises re-guarantee business played a pivotal role. Firstly, this paper summarizes the theories of credit guarantee, financing guarantee and credit reguarantee, and finds out the deficiency of existing research and the places that need to be further studied, so as to lay a theoretical foundation for the research of this paper. Secondly, on the basis of the analysis of the current situation and the application mode of the reguarantee business of Hunan guarantee Company, the problems existing in the reguarantee business and operation of Hunan guarantee Company are found. Then it puts forward the internal management system of reguarantee mode of Hunan guarantee company, the choice of business model of reguarantee, and the fund guarantee and application of reguarantee mode. And from the above several aspects to improve the Hunan guarantee company reguarantee model system framework. Finally, from the aspects of organization leadership, supporting policy, internal management system, support and benefit distribution of financial institutions, the paper puts forward the safeguard measures of the new guarantee mode operation of Hunan guarantee Company. This research not only has great guiding significance for Hunan guarantee company to carry out reguarantee business, but also provides certain reference and reference to other guarantee companies that carry out reguarantee business for small and medium-sized enterprises.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39
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