本文關(guān)鍵詞： ZDICP園區(qū) 中小企業(yè) 融資困難 信用擔(dān)保 風(fēng)險(xiǎn)管理　出處：《廣西師范大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：在我國(guó)的經(jīng)濟(jì)發(fā)展過(guò)程中,中小企業(yè)扮演著越來(lái)越重要的作用,其在促進(jìn)市場(chǎng)經(jīng)濟(jì)的發(fā)展以及在解決就業(yè)問(wèn)題等均作出了巨大的貢獻(xiàn)。然而由于中小企業(yè)的信息不對(duì)稱(chēng),使其存在著融資困難,這制約了中小企業(yè)的進(jìn)一步發(fā)展。中小企業(yè)存在著規(guī)模小、資金不足、人才匱乏等原因,這使得中小企業(yè)相對(duì)于大型企業(yè)來(lái)說(shuō),資信度較低,風(fēng)險(xiǎn)更高,壽命短暫,這一切不利因素使得中小企業(yè)融資困難成為世界性的難題。國(guó)內(nèi)外眾多學(xué)者對(duì)中小企業(yè)融資難問(wèn)題做了大量的研究,中小企業(yè)信用擔(dān)保機(jī)構(gòu)的產(chǎn)生提供的信用擔(dān)保也成為了解決中小企業(yè)融資難問(wèn)題的重要手段。由于中小企業(yè)信用擔(dān)保機(jī)構(gòu)與中小企業(yè)之問(wèn)存在著信息不對(duì)稱(chēng),擔(dān)保機(jī)構(gòu)在其實(shí)際擔(dān)保業(yè)務(wù)的過(guò)程中存在很多問(wèn)題,在交易過(guò)程不可避免地要承擔(dān)來(lái)自于貸款銀行與受保企業(yè)雙重的逆向選擇和道德問(wèn)題,面臨著較高的擔(dān)保風(fēng)險(xiǎn)。又由于中小企業(yè)信用擔(dān)保機(jī)構(gòu)在與貸款銀行就擔(dān)保合作過(guò)程中存在著不對(duì)等的關(guān)系,貸款銀行往往利用自身的有利地位,迫使信用擔(dān)保機(jī)構(gòu)承擔(dān)著全部的擔(dān)保風(fēng)險(xiǎn),將貸款風(fēng)險(xiǎn)轉(zhuǎn)移給了信用擔(dān)保機(jī)構(gòu),使得信用擔(dān)保機(jī)構(gòu)面臨著更大的代償風(fēng)險(xiǎn)。因而對(duì)風(fēng)險(xiǎn)的有效管理成為了中小企業(yè)信用擔(dān)保機(jī)構(gòu)生存和發(fā)展的關(guān)鍵。本文試圖在擔(dān)保風(fēng)險(xiǎn)管理理論的基礎(chǔ)上,探索著風(fēng)險(xiǎn)的來(lái)源以及風(fēng)險(xiǎn)成因分析,為中小企業(yè)信用擔(dān)保機(jī)構(gòu)提出有效的風(fēng)險(xiǎn)管理方法。最后基于南京市ZDICP園區(qū)的入園企業(yè)的現(xiàn)狀及其知識(shí)產(chǎn)權(quán)情況,對(duì)園區(qū)擔(dān)保公司進(jìn)行SWOT分析,為ZDICP園區(qū)擔(dān)保公司為園區(qū)中小企業(yè)的融資擔(dān)保做好對(duì)策建議。
[Abstract]:In the process of economic development in China, small and medium-sized enterprises play a more and more important role. It has made great contribution in promoting the development of market economy and solving the employment problem. However, because of the information asymmetry of small and medium-sized enterprises, it has difficulty in financing. This restricts the further development of small and medium-sized enterprises. Small and medium-sized enterprises have small scale, lack of funds, lack of talent and other reasons, which makes small and medium-sized enterprises, compared with large enterprises, the low level of capital trust, higher risk. Life is short, all these adverse factors make the financing difficulties of SMEs become a worldwide problem. Many scholars at home and abroad have done a lot of research on the financing difficulties of SMEs. The credit guarantee provided by the SME credit guarantee institution has also become an important means to solve the financing difficulties of SMEs, because of the information asymmetry between the SME credit guarantee institution and the SME. The guarantee institution has many problems in the process of its actual guarantee business. In the course of transaction, it is inevitable to bear the adverse selection and moral problems from the loan bank and the insured enterprise. Faced with higher guarantee risk, and because of the credit guarantee institutions of SMEs in the process of cooperation with the loan bank on the guarantee of the existence of unequal relationship, the loan banks often take advantage of their own favorable position. The credit guarantee institution is forced to bear all the guarantee risk, and the loan risk is transferred to the credit guarantee institution. Therefore, the effective management of risk has become the key to the survival and development of SMEs credit guarantee institutions. This paper tries to base on the theory of guarantee risk management. Explore the source of risk and risk analysis. Finally, based on the status quo and intellectual property rights of the ZDICP Park in Nanjing, the SWOT analysis of the park guarantee company is carried out. For the ZDICP Park guarantee company for the park SMEs financing guarantee to do a good job.
【學(xué)位授予單位】：廣西師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.39;F272.3

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