基于HY县担保公司的风险补偿政策问题研究

发布时间：2018-04-09 09:15

本文选题：融资担保　切入点：风险补偿　出处：《安徽财经大学》2017年硕士论文

【摘要】：近十余年,我国担保行业在国家经济高速发展的大背景下,也实现了快速发展,但担保行业有着自身独特的发展模式,作为中小企业信贷融资增信的工具,由融资担保机构为企业融资弥补抵押物不足的缺陷,解决商业银行的信贷配给问题,是整个业界高度公认的风险集中度较高的金融业务。担保业务作为一种公共产品,在为中小企业解决融资难问题所创造的直接经济效益的同时,具有实现科技创新、培植税源、扩大就业等正外部性,而公共产品完全由市场自发配置资源将会引起效率损失和供给不足等问题,从而出现市场失灵,因此政府应通过主导政策性融资担保体系建设,提供风险补偿政策并加强应用等措施式来促进融资担保服务的市场供给。本文以HY县担保公司为研究对象,从信贷配给理论、风险转嫁理论、公共产品理论及市场失灵理论等角度,详细分析了融资担保机构在融资担保业务市场的应用理论基础,并选取美国、德国、日本三个国家,介绍了三国具有政府主导特色的融资担保补偿机制,对我国担保行业风险补偿机制的应用具有积极的借鉴意义。在此基础上,从实际出发系统分析了政府风险补偿政策在我国担保行业的应用现状及对担保行业发展的促进作用。结合HY县的实地调研,介绍了县中小企业担保公司这一县内唯一担保机构,详细研究了政府风险补偿政策在HY县的实际应用情况,分析出风险补偿政策对HY县担保公司发展的贡献,以及存在的不足,从宏观和微观两个层面提出改善HY县担保公司风险补偿政策的应用的建议,并从该个例建议引出对我国担保行业一般性的借鉴意义。最后,对全文做出总结,并指出不足,提出展望。
[Abstract]:In the past ten years, the guarantee industry of our country has also achieved rapid development under the background of the rapid development of the national economy. However, the guarantee industry has its own unique development model, which is used as a credit financing tool for small and medium-sized enterprises.It is a highly recognized financial business with high risk concentration to solve the problem of credit rationing of commercial banks by financing guarantee institutions to make up for the deficiency of collateral for enterprises.As a kind of public goods, guarantee business has the positive externalities of realizing scientific and technological innovation, cultivating tax sources, expanding employment and so on, while creating direct economic benefits for small and medium-sized enterprises to solve financing problems.However, the allocation of resources by the market alone will lead to the loss of efficiency and insufficient supply, which will lead to market failure. Therefore, the government should lead the construction of policy financing guarantee system.Provide risk compensation policy and strengthen the application of measures to promote the financing guarantee service market supply.This article takes HY county guarantee company as the research object, from the credit rationing theory, the risk transfer theory, the public goods theory and the market failure theory and so on angle, has analyzed the financing guarantee organization application theory foundation in the financing guarantee business market in detail.And three countries, the United States, Germany and Japan, are selected to introduce the government-led financing guarantee compensation mechanism, which has positive reference significance for the application of risk compensation mechanism in China's guarantee industry.On this basis, the paper systematically analyzes the application status of government risk compensation policy in China's guarantee industry and its role in promoting the development of guarantee industry.Based on the field investigation in HY county, this paper introduces the guarantee company of small and medium-sized enterprises in the county, and studies in detail the actual application of the government risk compensation policy in HY county.This paper analyzes the contribution of risk compensation policy to the development of HY county guarantee company and its shortcomings, and puts forward some suggestions to improve the application of risk compensation policy in HY county guarantee company from macro and micro aspects.And from this example suggestion leads to our country guarantee industry general reference significance.Finally, the paper summarizes the full text, points out the shortcomings, and puts forward the prospect.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.39

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