發(fā)布時間：2018-01-04 19:08

  本文關(guān)鍵詞：DB再擔(dān)保公司再擔(dān)保體系的改進(jìn)研究　出處：《東北大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 再擔(dān)保 再擔(dān)保機(jī)構(gòu) 再擔(dān)保體系

【摘要】：融資難問題已經(jīng)成為制約我國中小企業(yè)發(fā)展的障礙,為此,我國采取建立中小企業(yè)信用擔(dān)保體系來解決融資難問題,并取得了不錯的成果。然而,隨著擔(dān)保行業(yè)的迅速發(fā)展,擔(dān)保機(jī)構(gòu)普遍存在規(guī)模小、放大倍數(shù)低、合作銀行少、承擔(dān)的風(fēng)險過大等問題逐漸顯現(xiàn)出來,解決這些問題的有效方式是建立再擔(dān)保體系。DB再擔(dān)保公司是東北中小企業(yè)信用再擔(dān)保股份有限公司在遼寧省設(shè)立的分公司,旨在提升遼寧省擔(dān)保機(jī)構(gòu)市場信用和融資擔(dān)保能力,不斷完善遼寧區(qū)域中小企業(yè)信用擔(dān)保體系,有效緩解中小企業(yè)融資難問題。經(jīng)過近四年的建設(shè),再擔(dān)保體系已初步形成規(guī)模,但仍然存在著準(zhǔn)入條件嚴(yán)格、評級授信偏低、業(yè)務(wù)定位不明晰等問題。本論文對再擔(dān)保體系中存在的問題進(jìn)行深入剖析,然后通過遼寧省再擔(dān)保市場需求分析,并結(jié)合國內(nèi)外再擔(dān)保體系的實踐經(jīng)驗,試圖提出有針對性的改進(jìn)建議。論文提出通過調(diào)整擔(dān)保機(jī)構(gòu)準(zhǔn)入和授信評級指標(biāo)體系、建設(shè)地區(qū)性再擔(dān)保平臺、建立擔(dān)保機(jī)構(gòu)獎懲和退出機(jī)制來完善體系內(nèi)部管理；在再擔(dān)保業(yè)務(wù)操作方式上,DB再擔(dān)保公司要將業(yè)務(wù)定位在主營再擔(dān)保并適度兼營差異化直接擔(dān)保業(yè)務(wù),針對擔(dān)保機(jī)構(gòu)需求分層次開展業(yè)務(wù)合作,設(shè)計可批量化操作的標(biāo)準(zhǔn)化再擔(dān)保產(chǎn)品,同時加強(qiáng)對擔(dān)保機(jī)構(gòu)風(fēng)險的防范并建立風(fēng)險預(yù)警制度；在增強(qiáng)銀保關(guān)系協(xié)調(diào)機(jī)制方面,提出要督促銀行逐步落實分險承諾和建立再擔(dān)保信息共享平臺。DB再擔(dān)保公司再擔(dān)保體系的完善和改進(jìn)對遼寧區(qū)域擔(dān)保行業(yè)的健康發(fā)展意義重大,而相關(guān)的研究也任重而道遠(yuǎn)。本文希望通過對再擔(dān)保體系中存在的問題提出解決辦法和思路,使遼寧區(qū)域再擔(dān)保體系進(jìn)入一個規(guī)范有效的運營模式中,從而改善遼寧省中小企業(yè)的融資環(huán)境。
[Abstract]:The problem of financing difficulties has become an obstacle to the development of small and medium-sized enterprises in China. For this reason, China has adopted the establishment of credit guarantee system for SMEs to solve the problem of financing difficulties, and has achieved good results. With the rapid development of the guarantee industry, the guarantee agencies generally have the problems of small scale, low magnification, less cooperative banks and excessive risks. The effective way to solve these problems is to set up a reguarantee system. DB reguarantee Company is a branch of Northeast small and Medium-sized Enterprises Credit reguarantee Co., Ltd in Liaoning Province. In order to improve the market credit and financing guarantee ability of guarantee institutions in Liaoning province, improve the credit guarantee system of small and medium-sized enterprises in Liaoning, effectively alleviate the financing difficulties of small and medium-sized enterprises. After nearly four years of construction. The reguarantee system has been formed initially, but there are still some problems, such as strict access conditions, low credit rating, unclear business positioning, etc. In this paper, the existing problems in the reguarantee system are deeply analyzed. Then through Liaoning Province reguarantee market demand analysis, and combined with domestic and foreign reguarantee system of practical experience. This paper tries to put forward targeted suggestions for improvement. This paper proposes to build a regional reguarantee platform by adjusting the index system of admission and credit rating of guarantee agencies. Establishing the mechanism of rewards, punishments and withdrawal of guarantee institutions to perfect the internal management of the system; In the operation mode of reguarantee business, the reguarantee company should position its business in the main reguarantee and conduct the differentiated direct guarantee business in a moderate degree, and carry out business cooperation according to the needs of the guarantee organization. Designing standardized reguarantee products that can be operated in batches, strengthening the risk prevention of guarantee institutions and establishing risk warning system; To strengthen the coordination mechanism of the bank and insurance relationship. It is of great significance for Liaoning regional guarantee industry to perfect and improve the reguarantee system of the bank to carry out the sub-risk commitment step by step and establish the reguarantee information sharing platform .DB reguarantee company. And the related research also has a long way to go. This paper hopes to put forward solutions and ideas to the problems existing in the reguarantee system, so that Liaoning regional reguarantee system into a standardized and effective operation model. In order to improve the financing environment of small and medium-sized enterprises in Liaoning Province.
【學(xué)位授予單位】：東北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.39

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本文編號：1379700