我国担保公司监管问题研究

发布时间：2018-06-13 14:45

本文选题：担保公司 + 银行担保模式　；参考：《天津财经大学》2012年硕士论文

【摘要】：随着我国经济的发展,担保需求增加,尤其是在货币紧缩的背景下,中小企业的融资担保需求迅速增长,为担保公司的迅猛发展提供了外部环境。然而在担保公司繁荣发展的背后却隐藏着巨大的风险。担保公司经过近二十年的发展,已由“在发展中规范”到了“在规范中发展”的阶段。尤其是近两年,担保公司经营中的风险日益暴露,造成了严重的不良社会影响。因此我国政府应加强对担保公司的监管,采取积极有效的措施防范和化解系统性风险。文章阐述了担保公司的定义,并利用信息不对称理论、风险转嫁和风险分散理论、金融脆弱性理论、保护消费者理论等分析了加强对担保公司监管的必要性。通过我国担保公司银行担保模式和民间担保模式的分析,指出银行担保模式中可能引发新的信息不对称,并存在银行、中小企业的道德风险；民间担保模式存在非法集资、非法吸收公众存款等问题。论述了我国担保公司监管现状与存在问题,从法律层面、监管机构、行业自律、监管内容、监管手段等方面展开了分析。并认真总结了美国、日本两国担保公司发展及监管中的经验。最后,基于以上分析,提出了完善担保公司相关立法、构建担保公司监管框架、健全担保公司监管内容、强化市场纪律以及优化担保公司发展体系等一系列政策建议,对于加强我国担保公司监管有一定的实践意义。
[Abstract]:With the development of our economy and the increase of security demand , especially in the context of monetary tightening , the financing guarantee demand of small and medium - sized enterprises ( SMEs ) has increased rapidly , providing an external environment for the rapid development of security companies .

The paper expounds the definition of the guarantee company , and analyzes the necessity of strengthening the supervision of the guarantee company by using information asymmetry theory , risk transfer and risk dispersion theory , financial fragility theory , protection consumer theory and so on . Through the analysis of the bank guarantee model and the private guarantee model of the guarantee company in China , it is pointed out that the new information asymmetry may be raised in the bank guarantee mode , and the moral hazard of the bank and the small and medium - sized enterprises exists ;
On the basis of the above analysis , the paper puts forward a series of policy suggestions , such as perfecting the relevant legislation of the guarantee company , constructing the supervision framework of the guarantee company , perfecting the supervision content of the guarantee company , strengthening the market discipline and optimizing the development system of the guarantee company , etc . , and has certain practical significance for strengthening the supervision of the security companies in our country .
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.39

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