中小企业信贷保险在企业融资中作用问题研究

发布时间：2018-06-04 00:33

本文选题：中小企业信贷保险 + 中小企业融资　；参考：《河南大学》2014年硕士论文

【摘要】：我国正处于全面建设小康社会，加快推进现代化建设的新阶段,在这个环境下社会经济协调发展的观念在党和国家制定的发展战略中得到了重视和强化，这种观念也成为全社会对经济发展的共识。因此，保险的经济助推器和社会稳定器作用对于经济的协调发展就显得更加突出和重要。随着保险在社会经济中地位的不断提高，经济的发展要求保险业不断地完善机制、开拓空间、开发新的产品，适应经济发展满足市场对保险的需求。中小企业信贷保险是在中小企业融资的巨大需求下产生的保险业务，他对于缓解企业融资困境有着很大的促进作用，有利于企业融资高效率低成本的运行。但是由于该保险业务具有承担风险的特殊性、强调损失共担以及风险调查困难等特征，因此在发展过程中遇到了很多制约因素，影响了他的持续健康发展。环顾当今世界，不管是在发达国家还是在发展中国家中小企业都已经成为或者正在成为国民经济的重要支柱，他的快速发展不但促进了国家经济的繁荣还在维持社会稳定上发挥了重要作用。我国中小企业在经过突飞猛进的发展阶段后，现处于一个发展的瓶颈期，这主要是由中小企业规模小、信贷信用低、企业流动负债所占比例较大以及管理机制不规范等自身特点造成的。这些自身劣势使中小企业的融资渠道狭窄，银行信贷调查成本高、风险大，增加了贷款难度，使中小企业陷入融资困境，因此能否缓解中小企业融资困境成为解决中小企业发展问题的关键。本文首先通过绪论介绍选择中小企业信贷保险在中小企业融资中作用问题分析的选题背景，对我国信贷保险发展现状和中小企业资金来源作一个简要描述，指出两者之间的紧密关系，从而得出研究必要性。然后分别对中小企业信贷保险和中小企业融资两个问题作详细的分析和介绍。其中包括：中小企业信贷保险的概念以及作用机理分析，还有中小企业的发展现状、资金来源和融资问题以及在我国经济发展中起到的作用等。最后是根据社会发展的实际情况指出中小企业信贷保险在中小企业融资中的作用，怎样才能利用好中小企业信贷保险来为中小企业服务，这样的发展模式的前景如何并给出建议。本文经过对中小企业信贷保险以及中小企业融资等方面的详细介绍，得出中小企业信贷保险能够在一定程度上提高中小企业的信用等级，促使企业内部管理经营规范化，保证中小企业在发展中对资金使用的长期性和持续性，，这对于缓解中小企业融资困境有很大的促进作用，同时在研究和讨论中我们也发现了许多在实际实施过程中的问题，我们对这些问题提出了一些建议和解决办法，希望能够有助于中小企业信贷保险的持续健康发展。
[Abstract]:China is in the new stage of building a well-off society in an all-round way and speeding up the modernization drive. In this environment, the concept of coordinated development of social economy has been emphasized and strengthened in the development strategy formulated by the party and the state. This concept has also become the consensus of the whole society on the economic development. Therefore, the economic booster and social stabilizer of the insurance. With the continuous improvement of the status of insurance in the social economy, the development of the economy requires the insurance industry to continuously improve the mechanism, develop the space, develop new products, adapt to the economic development and meet the demand of the market for insurance.
The credit insurance of small and medium enterprises is an insurance business which is produced under the huge demand of small and medium-sized enterprises. He has a great effect on alleviating the financing difficulties of enterprises, which is beneficial to the operation of high efficiency and low cost of financing. However, because the insurance business has the special character of taking risks, it emphasizes loss sharing and the difficulty of risk investigation. And so on, so he encountered many constraints in the development process, which affected his sustained and healthy development.
Looking around the world today, whether in developed countries or in developing countries, small and medium enterprises have become or are becoming an important pillar of the national economy, his rapid development not only promotes the prosperity of the country's economy but also plays an important role in maintaining social stability. After that, it is now in a bottleneck period of development, which is mainly caused by small size of small and medium-sized enterprises, low credit credit, large proportion of enterprise current liabilities and non standard management mechanism. These own disadvantages make small and medium-sized enterprises narrow in financing channels, high risk and high risk, and increase the difficulty of loan. SMEs are trapped in financing difficulties, so it is the key to solve the problem of SMEs' development to mitigate the financing difficulties of SMEs.
This paper first introduces the background of selecting the role of SME credit insurance in SME financing, and gives a brief description of the development status of China's credit insurance and the source of small and medium enterprises' funds, and points out the close relationship between the two. The two problems of risk and SME financing are analyzed and introduced in detail, including the concept and mechanism analysis of credit insurance for small and medium enterprises, the development status of small and medium enterprises, the sources of funds and financing and the role of the financing in the development of China's economy. The role of small enterprise credit insurance in the financing of small and medium-sized enterprises, how to make use of credit insurance of small and medium enterprises to serve small and medium enterprises, and how to give some suggestions on the prospect of this development model.
After a detailed introduction to the credit insurance of small and medium enterprises and the financing of small and medium-sized enterprises, this paper draws a conclusion that the credit insurance of small and medium-sized enterprises can improve the credit rating of small and medium-sized enterprises to a certain extent, promote the standardization of the management and management of the enterprises, and ensure the long-term and sustainable nature of the use of funds in the development of small and medium-sized enterprises. In the study and discussion, we also found a lot of problems in the actual implementation process in the study and discussion. We put forward some suggestions and solutions to these problems, hoping to help the sustainable and healthy development of credit insurance for small and medium-sized enterprises.
【学位授予单位】：河南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4;F842.682

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