太湖县融资担保有限责任公司经营策略研究

发布时间：2018-06-03 04:04

本文选题：中小企业 + 融资担保　；参考：《吉林大学》2014年硕士论文

【摘要】：当前，我国担保体系发展在金融领域内占重要位置，为中小企业融资担保、促进金融公平，尤其是为焕发金融担保市场多元主体活力，增加就业岗位，推动经济整体发展而实现的一种创新产物。中小企业作为推动我国现代化建设的重要力量，在国民经济的可持续发展中具有不可替代的作用和意义。然而，现在中小企业市场竞争力弱并存在信用缺失、我国金融体系尚待完善等原因的共同作用下，中小企业普遍面临着融资困难的问题。而在改革开放的今天随着市场经济的逐步加深，中小型企业在满足居民个性化需求、实现社会化专业协作、进行科技创新、增加就业等方面发挥着日益突出的作用，而大力发展中小民营企业经济又是实现安徽省经济总量争先进位、人均水平进入中等、居民收入进入全国前列，确保与全国同步全面建成小康社会的重大战略举措，而近年来安徽省中小企业虽然发展蓬勃，但仍有很多问题困扰着这类企业的发展和壮大，其中融资难是制约中小企业发展的突出问题，而融资难的主要瓶颈是担保难，因为这类企业存在着抗风险性小、管理制度不完善、市场竞争力弱并存在信用缺失，等诸多问题。最新的中国银监会《关于金融机构与担保公司开展合作的风险提示》明确指出:近年来部分担保企业经营情况令人担忧，担保信用不足，担保机构违规现象严重，农村中小金融机构与担保公司的业务合作中，存在的风险隐患已经显现或形成风险事实，应引起高度关注。本文首先简要介绍了太湖县融资担保有限责任公司的发展历程和主要数据，进而对公司所处的整体宏观环境进行分析，，并按照PEST分析法详尽地分析政治、经济、社会以及技术因素在公司的外部环境中发挥的作用以及影响，然后对太湖县融资担保有限责任公司所处在的融资性担保领域整体行业环境进行深入的研究，分析了行业目前所处现状及未来发展趋势。讨论了中小企业融资困难的现状，提出解决这一问题必须以金融创新为途径，建立健全多层次融资在担保体系，集中力量、整合资源、聚焦支持、持续加大投入，扶持融资性担保机构尽快做大做强，按照效率优先原则，合理安排担保资源投向，引导融资性担保机构通过改善经营管理、深化银行与担保机构合作等途径提高担保资源使用率，加快构建信用体现，推进信息系统建设，服务实体经济发展，最后通过系统分析太湖县融资担保有限责任公司的内外部环境以及自身的优劣势、机遇与威胁，为公司制定合理的经营策略。
[Abstract]:At present, the development of China's guarantee system occupies an important position in the financial field. It provides financing guarantees for small and medium-sized enterprises, promotes financial fairness, especially for coruscating the pluralistic main body of the financial guarantee market and increasing employment posts. A product of innovation that promotes the overall development of the economy. As an important force to promote the modernization of our country, small and medium-sized enterprises play an irreplaceable role and significance in the sustainable development of national economy. However, at present, the market competitiveness of SMEs is weak and the credit is lacking, and the financial system of our country is still in need of perfection, so the SMEs are generally faced with the problem of financing difficulties. Today, with the deepening of the market economy, small and medium-sized enterprises are playing an increasingly prominent role in satisfying the individual needs of the residents, realizing socialized professional cooperation, carrying out scientific and technological innovations, and increasing employment, etc. And vigorously developing the economy of small and medium-sized private enterprises is a major strategic measure to achieve the goal of striving for the advanced position in the total economic volume of Anhui Province, the average per capita level entering into the middle, the income of the residents entering the forefront of the country, and ensuring that a well-off society is built in an all-round way at the same In recent years, although the development of small and medium-sized enterprises in Anhui Province is booming, there are still many problems that haunt the development and growth of such enterprises, in which the financing difficulty is a prominent problem restricting the development of small and medium-sized enterprises, and the main bottleneck of the financing difficulty is the difficulty of guarantee. There are many problems in this kind of enterprises, such as low risk resistance, imperfect management system, weak market competitiveness and lack of credit. The latest China Banking Regulatory Commission's risk Tip on Cooperation between Financial institutions and guarantee companies clearly points out: in recent years, some of the guarantee enterprises have been operating in a worrisome manner, with insufficient guarantee credit and serious violations of regulations by guarantee agencies. In the business cooperation between small and medium-sized rural financial institutions and guarantee companies, the hidden risks have emerged or formed, which should be highly concerned. Firstly, this paper briefly introduces the development course and main data of Taihu County financing guarantee Co., Ltd., then analyzes the overall macro environment of the company, and analyzes the politics and economy in detail according to the PEST analysis method. The role and influence of social and technological factors in the external environment of the company, and then the overall industry environment of Taihu County financing guarantee Co., Ltd., which is located in the field of financing guarantee, is studied in depth. The present situation and future development trend of the industry are analyzed. This paper discusses the present situation of the financing difficulties of small and medium-sized enterprises, and puts forward that to solve this problem, we must take financial innovation as the way to establish and perfect the multi-level financing system in the guarantee system, concentrate on the strength, integrate the resources, focus on the support, and continue to increase the investment. To support the financing guarantee institutions to become bigger and stronger as soon as possible, according to the principle of priority of efficiency, to arrange the investment of guarantee resources rationally, and to guide the financing guarantee institutions to improve their operation and management. We should deepen cooperation between banks and guarantee agencies to improve the utilization rate of guarantee resources, speed up the construction of credit representation, promote the construction of information systems, and serve the development of the real economy. Finally, through the systematic analysis of Taihu County financing guarantee Co., Ltd.'s internal and external environment as well as its own advantages and disadvantages, opportunities and threats, to formulate a reasonable business strategy for the company.
【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】：F832.39

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