本文選題：互助性信用擔保　切入點：行業(yè)屬性　出處：《內(nèi)蒙古大學》2015年碩士論文　論文類型：學位論文

【摘要】：中小企業(yè)自身缺乏可抵押的財產(chǎn),且其信用等級不能達到銀行發(fā)放貸款的要求,所以,在向銀行融資的過程中存在困難。企業(yè)為解決自我融資困難的問題所探索出來的互助性信用擔保,為解決中小企業(yè)自身融資困難的問題上發(fā)揮了重要的作用。通過對互助性信用擔保機構(gòu)的研究發(fā)現(xiàn),互助性信用擔保機構(gòu)的行業(yè)屬性不清晰,行業(yè)屬性的不清晰影響了監(jiān)管制度的設(shè)立�，F(xiàn)行法律規(guī)定的擔保機構(gòu)的設(shè)立標準不適應(yīng)互助性信用擔保機構(gòu)�，F(xiàn)行的行政監(jiān)管模式不能夠有效的對擔保機構(gòu)進行監(jiān)管。就擔保機構(gòu)自身而言,擔保機構(gòu)內(nèi)部治理不合理,再擔保制度不完善,規(guī)模較小,與銀行談判中處于劣勢,抗風險能力差。所以需要明確信用擔保的行業(yè)屬性,即屬于金融行業(yè)。建立適合互助性信用擔保機構(gòu)發(fā)展的設(shè)立條件。將現(xiàn)行的行政監(jiān)管模式改為專門的行業(yè)監(jiān)管模式,同時發(fā)揮行業(yè)協(xié)會的監(jiān)管作用和信用等級評級等市場監(jiān)管的作用。加強對擔保機構(gòu)的內(nèi)部治理,完善再擔保制度,增強實力,與銀行平等談判,以提高抗風險能力。
[Abstract]:Small and medium-sized enterprises themselves lack mortgaged property and their credit rating does not meet the requirements of banks for loans, so, There are difficulties in the process of financing from banks. Mutual credit guarantees explored by enterprises to solve the problem of self-financing difficulties, In order to solve the problem of financing difficulties of small and medium-sized enterprises, it has played an important role. Through the study of mutual credit guarantee agencies, it is found that the industry attributes of mutual credit guarantee organizations are not clear. The unclear nature of the industry affects the establishment of the regulatory system. The standards for the establishment of guarantee agencies under the current law are not suitable for mutual credit guarantee agencies. Regulation... as far as the sponsoring agency is concerned, The internal governance of the guarantee institution is unreasonable, the guarantee system is not perfect, the scale is small, the negotiation with the bank is at a disadvantage, and the ability to resist risks is poor. Therefore, the industry attribute of the credit guarantee needs to be clearly defined. That is to say, it belongs to the financial industry. The establishment conditions suitable for the development of mutual-aid credit guarantee institutions should be established. The current administrative supervision model should be changed into a specialized industry supervision model. At the same time, we should give full play to the regulatory role of trade associations and market supervision such as credit rating, strengthen the internal governance of guarantee institutions, improve the reguarantee system, strengthen the strength, and negotiate equally with banks in order to improve the ability to resist risks.
【學位授予單位】：內(nèi)蒙古大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：D922.28;D923

【參考文獻】

相關(guān)期刊論文 前3條

1 彭江波;;以互助聯(lián)保為基礎(chǔ)構(gòu)建中小企業(yè)信用擔保體系[J];金融研究;2008年02期

2 陳秋明;;關(guān)于我國中小企業(yè)信用再擔保的法律思考[J];深圳職業(yè)技術(shù)學院學報;2009年06期

3 王珊珊;;中小企業(yè)信用擔保機構(gòu)的法律地位探析[J];云南社會科學;2007年05期

，

本文編號：1645172