中小企业信用担保机构与商业银行合作风险研究

发布时间：2018-04-01 18:24

本文选题：信用担保机构　切入点：商业银行　出处：《贵州财经大学》2017年硕士论文

【摘要】：企业是经济活动的主要参与者。在实际的经济生活中,全国性或者跨国性的大型企业数量是有限的,更多反而是大大小小不同的中小企业。因此,可以说中小企业是企业中的构成主体。中小企业的正常运转对经济的发展具有重要的作用。中小企业在发展过程中面临很多困难,包括资金、人员、资源、市场等。世界各国都比较重视对中小企业的支持,尤其近年来,在解决中小企业融资难的问题上进行了不少研究和探索。同样地,解决中小企业融资的问题也是我国中央以及地方各级政府的主要工作之一。中小企业进行融资的方式之一是信用担保机构与银行合作模式。本文针对这一融资模式结合中小企业在国内的发展状况进行综合探讨,共分为七个部分对研究结果进行呈现。第一部分,导论。导论部分介绍本篇成文的研究背景和研究意义。整理国内外相关的文献资料,说明本篇论文的研究目标、思路以及相关的研究方法和创新之处。第二部分,阐释与该模式相关的基础理论和相关概念。包括信用担保的概念、银行合作的理论基础以及信用担保机构与银行合作的动因。第三部分,综述当前信用担保机构与银行合作的现状。探究信用担保机构与银行合作中的问题,分析问题产生的由来。第四部分,国外相关模式的应用。分析日美韩三国的信用担保机构与银行合作状况,总结经验教训。第五部分,中国国情下的信用担保机构与银行合作模式的构建。从机制方面、合作基础方面和合作环境方面进行确定。第六部分,国内信用担保机构与银行合作案例分析。以JX信贷机构为例,分析国内流行的合作模式,并对其结果进行分析。第七部分,结论及展望。目前国内担保行业处于规范整顿的阶段。在这一背景下,本文探讨了新形势下的信用担保公司和商业银行之间的合作关系,对拓宽中小企业的融资渠道有重要的现实意义。此外,分析信用担保机构与银行合作过程中遇到的障碍,从产生原因入手为优化双方合作关系给予建设性的意见。
[Abstract]:Enterprises are the main participants in economic activities. In actual economic life, the number of large national or transnational enterprises is limited, and more are small and small enterprises of different sizes. It can be said that small and medium-sized enterprises are the main components of enterprises. The normal operation of small and medium-sized enterprises plays an important role in the development of the economy. Small and medium-sized enterprises face many difficulties in the process of development, including funds, personnel and resources. Markets and so on. Countries all over the world attach more importance to the support of small and medium-sized enterprises, especially in recent years, a lot of research and exploration have been carried out to solve the financing difficulties of small and medium-sized enterprises. Similarly, To solve the financing problem of SMEs is also one of the main tasks of the central and local governments at all levels. One of the ways of financing for SMEs is the mode of cooperation between credit guarantee institutions and banks. This paper aims at this financing model. Combined with the development of small and medium-sized enterprises in China, It is divided into seven parts to present the research results. The first part is the introduction. The introduction introduces the research background and significance of this paper. Ideas and related research methods and innovations. The second part explains the basic theory and related concepts related to the model, including the concept of credit guarantee, The third part summarizes the current situation of the cooperation between the credit guarantee institution and the bank, and explores the problems in the cooperation between the credit guarantee institution and the bank. Analysis of the origin of the problem. Part IV, the application of relevant foreign models. Analysis of the credit guarantee institutions in Japan, the United States and South Korea and banking cooperation, summed up the experience and lessons learned. Part five, The construction of cooperation model between credit guarantee institutions and banks under China's national conditions. From the aspects of mechanism, cooperation basis and cooperation environment, the sixth part, A case study of domestic credit guarantee agencies and banks. Taking JX credit institutions as an example, this paper analyzes the popular cooperation models in China and analyzes the results. Conclusion and prospect. At present, the domestic guarantee industry is in the stage of normalizing and rectifying. Under this background, this paper discusses the cooperative relationship between the credit guarantee companies and commercial banks under the new situation. In addition, the paper analyzes the obstacles encountered in the process of cooperation between credit guarantee institutions and banks, and gives constructive suggestions for optimizing the cooperative relationship between the two sides.
【学位授予单位】：贵州财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.3;F276.3

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