融资性担保公司经营中存在的问题及可持续经营研究

发布时间：2018-01-10 08:11

本文关键词：融资性担保公司经营中存在的问题及可持续经营研究　出处：《上海交通大学》2014年硕士论文　论文类型：学位论文

【摘要】：由融资性担保公司提供担保是中小企业融资中保证方式的一种创新。近年来,在国家各项政策的鼓励下,融资担保行业取得了快速发展,对中小企业融资起到了积极的促进作用。但随着融资性担保公司的增多,鱼龙混杂的现象日益严重。自2011年以来,受外部经济环境的影响,部分中小企业经营出现困难,一些不规范经营的担保公司因集中代偿而受拖累,爆发了一些典型的风险事件。从2009年起到2013年,融资担保行业经历了快速发展、过度膨胀、风险爆发、急转直下、低迷徘徊的过程,整个行业进入一个拐点,担保公司的可持续经营问题引起人们的关注。本文首先分析了融资担保行业的基本情况,包括担保行业发展历程回顾、重要的制度规定、行业发展各纬度数据。其次,着重归纳分析了担保公司经营中出现的各方面问题和具体表现,以及带来的不良后果。第三,引用三个典型担保公司案例,从微观层面对担保公司个体的经营情况进行分析并进一步探讨风险成因,与前文归纳的经营中出现的问题相呼应。最后,就担保公司的可持续经营问题进行探讨,包括规范经营、担保行业监管体制的完善、担保公司业务模式的创新等。
[Abstract]:The guarantee provided by the financing guarantee company is an innovation of the guarantee method in the financing of small and medium-sized enterprises. In recent years, with the encouragement of various national policies, the financing guarantee industry has made rapid development. It has played a positive role in promoting the financing of small and medium-sized enterprises. However, with the increase of financing guarantee companies, the phenomenon of "mixed" has become more and more serious. Since 2011, it has been affected by the external economic environment. Some small and medium-sized enterprises have difficulties in operation and some non-standard guarantee companies have been dragged down by concentrated compensation and some typical risk events have broken out. From 2009 to 2013. Financing guarantee industry has experienced a rapid development, excessive expansion, risk outbreak, rapid downturns, the downturn hovering process, the entire industry into a turning point. The sustainable operation of the guarantee companies has attracted people's attention. Firstly, this paper analyzes the basic situation of the financing guarantee industry, including the review of the development of the guarantee industry, important regulations. Secondly, the paper summarizes and analyzes the problems and the concrete performance of the guarantee companies, and the adverse consequences. Thirdly, three typical cases of guarantee companies are cited. From the microcosmic level, the author analyzes the individual operation of the guarantee company and further discusses the causes of risk, which is consistent with the problems in the previous management. Finally. This paper probes into the sustainable management of the guarantee company, including the standardization of operation, the perfection of the supervision system of the guarantee industry, the innovation of the business model of the guarantee company, and so on.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F830.42;F832.39

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