我国中小企业信用担保体系运行现状及模式选择研究

发布时间：2018-04-06 07:36

本文选题：中小企业　切入点：信用担保体系　出处：《吉林大学》2014年硕士论文

【摘要】：随着我国经济的快速发展，中小企业的数量已占据企业总数的绝大部分，中小企业对我国经济的贡献也越来越突出，如今已成为国民经济的重要支柱，其地位是不容忽视的。但融资难一直是阻碍中小企业发展的主要因素，这也是世界各国都面临的一个难题，对此各个国家的专业人士都普遍认为建立中小企业信用担保体系是一种有效的解决办法，我国也在上世纪九十年代建立起了中小企业信用担保体系，其成立为缓解中小企业融资难发挥了很大的作用，对此，本文通过建立一个简单的信贷均衡模型，具体分析了信用担保是如何缓解中小企业融资难问题的，解释了其建立的积极意义。本文结合担保行业发展的数据具体分析了我国中小企业信用担保机构的数量规模发展情况和担保机构的运营现状，也通过数据分析总结了我国中小企业信用担保体系发展过程中存在的一些问题。本文还研究了信用担保体系发展比较完善的日本、美国、德国、韩国四国，研究他们的担保模式是如何运作的，总结了他们各自的优点以及我国在发展过程中可以借鉴的先进方法和理念。本文具体研究了我国现存的三种担保模式，，研究他们各自的运作方式，各自的优点和缺点，通过比较分析提出现阶段我国应发展以商业性担保为主，以政策性担保作为后盾进行再担保，以互助性担保作为重要补充的担保模式：以商业性担保为主，能发挥其自主经营模式的优势，避免外界的干预且具有较强的竞争力；以政策性担保为有力后盾为商业性担保提供再担保减轻担保机构的风险损失；以互助性担保为重要补充为中小企业提供更多的融资支持。此外，本文还针对这种担保模式提出一些改进的建议：第一，提出了完善现有的商业性担保的几点建议；第二，认为应加强担保机构与城市商业银行的合作，能实现担保机构、企业和城市商业银行的共赢；第三，认为应完善征信体系，为担保打下坚实的信用基础；第四，认为应当完善法律环境的建设，为担保体系创造好的外部环境；第五，认为应积极创新以便能更好的为中小企业的融资提供更灵活多样的担保服务。
[Abstract]:With the rapid development of Chinese economy, the number of small and medium-sized enterprises has occupied most of the total number of enterprises, and the contribution of small and medium-sized enterprises to our economy has become more and more prominent. Now it has become an important pillar of the national economy, and its status is not to be ignored.However, the difficulty of financing has always been the main factor hindering the development of small and medium-sized enterprises, which is also a difficult problem all over the world. For this reason, professionals in various countries generally believe that establishing a credit guarantee system for small and medium-sized enterprises is an effective solution.China also established a credit guarantee system for small and medium-sized enterprises in the 1990s, which played a great role in alleviating the financing difficulties of small and medium-sized enterprises. In view of this, this paper establishes a simple credit equilibrium model.This paper analyzes how credit guarantee alleviates the financing difficulties of SMEs and explains the positive significance of its establishment.Based on the data of the development of guarantee industry, this paper analyzes the development of the number and scale of the credit guarantee institutions of small and medium-sized enterprises in China and the present situation of the operation of the guarantee agencies.It also summarizes some problems existing in the development of credit guarantee system of small and medium-sized enterprises in China through data analysis.This paper also studies four countries, Japan, the United States, Germany and South Korea, which have a relatively perfect credit guarantee system, and studies how their guarantee model works.Their respective advantages and advanced methods and concepts in the development process of our country are summarized.This paper specifically studies three kinds of guarantee models in our country, their respective operating modes, their respective advantages and disadvantages, and puts forward that commercial guarantee should be the main development in our country at the present stage through comparative analysis.Take the policy guarantee as the backing to carry on the reguarantee, take the mutual aid guarantee as the important supplementary guarantee pattern: mainly by the commercial guarantee, can give play to its independent management mode superiority, avoids the outside intervention and has the stronger competitive power;Taking policy guarantee as the powerful backing, providing reguarantee for commercial guarantee to reduce the risk loss of guarantee institution, taking mutual guarantee as an important supplement to provide more financing support for small and medium-sized enterprises.In addition, this paper also puts forward some suggestions to improve the security model: first, it puts forward some suggestions to perfect the existing commercial guarantee; second, it thinks that the cooperation between the guarantee agencies and the city commercial banks should be strengthened to realize the guarantee organization.Third, the credit system should be improved to lay a solid credit foundation for the guarantee; fourth, the legal environment should be improved to create a good external environment for the guarantee system.We should innovate actively in order to provide more flexible and diversified guarantee services for SME financing.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

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