本文關(guān)鍵詞： 河北省 中小企業(yè) 信用擔(dān)保 融資　出處：《河北工業(yè)大學(xué)》2013年博士論文　論文類型：學(xué)位論文

【摘要】：如今，中小企業(yè)發(fā)展已經(jīng)成為國家整體經(jīng)濟(jì)發(fā)展的重中之重，對于解決就業(yè)、增加稅收、保持經(jīng)濟(jì)快速增長起著越來越重要的作用。然而，在全球經(jīng)濟(jì)的發(fā)展過程中，中小企業(yè)融資一直是一個難題，是限制中小企業(yè)發(fā)展的關(guān)鍵性問題。提供融資便利成為各個國家支持中小企業(yè)發(fā)展共同選擇的政策導(dǎo)向，，近些年融資擔(dān)保成為各國解決該難題普遍采用的金融支持模式，國內(nèi)外大量成功實踐表明，構(gòu)建中小企業(yè)融資擔(dān)保機(jī)制是解決融資瓶頸的重要途徑。 河北省緊鄰全國經(jīng)濟(jì)和政治重地——京津地區(qū)，這獨(dú)特的地理位置使其發(fā)展環(huán)境與眾不同，因此中小企業(yè)融資環(huán)境也與東南沿海及中西部地區(qū)差異較大，這會產(chǎn)生很大的影響。而且，中小企業(yè)在河北省的全省經(jīng)濟(jì)中占的比重很大，幾乎涉及全部產(chǎn)業(yè)領(lǐng)域，也造就了一批優(yōu)勢的產(chǎn)業(yè)集群，但是融資問題阻礙了中小企業(yè)發(fā)展。因此只有加快發(fā)展中小企業(yè)融資擔(dān)保體系，才能進(jìn)一步加快中小企業(yè)的發(fā)展，使其渡過發(fā)展的瓶頸，也就能有效提高河北省的經(jīng)濟(jì)實力。 本文首先對國際典型中小企業(yè)融資擔(dān)保體系的發(fā)展經(jīng)驗進(jìn)行了對比，并將其對我國的啟示與借鑒意義進(jìn)行了總結(jié)；其次通過對國內(nèi)中小企業(yè)融資與信用擔(dān)保業(yè)發(fā)展現(xiàn)狀以及特點(diǎn)的分析，尤其是對河北省中小企業(yè)融資現(xiàn)狀與信用擔(dān)保機(jī)構(gòu)發(fā)展的調(diào)查分析，總結(jié)出了省內(nèi)中小企業(yè)融資與信用擔(dān)保存在的主要問題；第三，對河北省中小企業(yè)信用擔(dān)保服務(wù)中心的發(fā)展背景與運(yùn)營概況做了介紹；第四，針對省內(nèi)中小企業(yè)融資現(xiàn)狀與信用擔(dān)保機(jī)構(gòu)存在的問題和面對的風(fēng)險，對中小企業(yè)信用擔(dān)保機(jī)構(gòu)提出了風(fēng)險綜合管理戰(zhàn)略；第五，針對性的構(gòu)建了中小企業(yè)信用評價指標(biāo)體系；第六，為信用擔(dān)保機(jī)構(gòu)分析了體制創(chuàng)新與學(xué)習(xí)的重要性并提出建議；最后，為今后中小企業(yè)信用擔(dān)保機(jī)構(gòu)的健康發(fā)展提出保障性戰(zhàn)略與建設(shè)性意見。 因此，深入剖析我國中小企業(yè)信用擔(dān)保組織運(yùn)行現(xiàn)狀及一般規(guī)律，在總結(jié)、借鑒國外中小企業(yè)信用擔(dān)保組織體系構(gòu)建及其運(yùn)行成功經(jīng)驗的基礎(chǔ)上，針對性的就我省中小企業(yè)融資擔(dān)保問題進(jìn)行深入、系統(tǒng)的研究，科學(xué)構(gòu)建我省中小企業(yè)信用擔(dān)保體系與制度框架，并為我省中小企業(yè)信用擔(dān)保機(jī)構(gòu)的未來的發(fā)展戰(zhàn)略提供可供借鑒的指導(dǎo)和建議，對于推動我省經(jīng)濟(jì)發(fā)展，進(jìn)一步加快中小企業(yè)的發(fā)展，提高我省的經(jīng)濟(jì)實力，有著十分重要的理論價值和現(xiàn)實意義。
[Abstract]:Nowadays, the development of small and medium-sized enterprises has become the most important part of the overall economic development of the country, which plays an increasingly important role in solving employment, increasing tax revenue and maintaining rapid economic growth. However, in the course of the development of the global economy, Financing for small and medium-sized enterprises has been a difficult problem and a key issue that limits the development of small and medium-sized enterprises. Providing financing facilities has become the policy direction of the common choice of countries to support the development of small and medium-sized enterprises. In recent years, financing guarantee has become a common financial support model to solve this problem. A large number of successful practices at home and abroad show that the construction of financing guarantee mechanism for SMEs is an important way to solve the financing bottleneck. Hebei Province is close to the Beijing-Tianjin region, which is the most important economic and political region of the country. This unique geographical location makes its development environment different. Therefore, the financing environment for small and medium-sized enterprises is also quite different from that of the southeast coastal areas and the central and western regions. This will have a great impact. Moreover, small and medium-sized enterprises account for a large proportion of the provincial economy in Hebei Province, involving almost all industrial fields, and also creating a number of advantageous industrial clusters. However, the problem of financing hinders the development of small and medium-sized enterprises, so only by speeding up the development of financing guarantee system of small and medium-sized enterprises, can we further speed up the development of small and medium-sized enterprises, make them through the bottleneck of development, and effectively improve the economic strength of Hebei Province. Firstly, this paper compares the development experience of international SME financing guarantee system, and summarizes its enlightenment and reference significance to our country. Secondly, through the analysis of the current situation and characteristics of domestic SME financing and credit guarantee industry, especially the investigation and analysis of the financing status of SMEs and the development of credit guarantee institutions in Hebei Province. Summarized the main problems of SMEs financing and credit guarantee in the province; third, introduced the development background and operation of Hebei SME credit guarantee service center; 4th, In view of the current situation of SMEs financing and the problems and risks faced by the credit guarantee institutions in the province, this paper puts forward a comprehensive risk management strategy for SMEs credit guarantee institutions. 5th, it constructs the credit evaluation index system of SMEs. In 6th, the author analyzes the importance of system innovation and learning for credit guarantee institutions and puts forward suggestions for the healthy development of credit guarantee institutions of small and medium-sized enterprises in the future. Therefore, on the basis of analyzing the current situation and general law of the credit guarantee organization of small and medium-sized enterprises in our country, and drawing lessons from the successful experience of the construction and operation of the credit guarantee organization system of the small and medium-sized enterprises in foreign countries, This paper makes a thorough and systematic study on the financing guarantee of small and medium-sized enterprises in our province, and scientifically constructs the credit guarantee system and system framework of small and medium-sized enterprises in our province. It also provides guidance and suggestions for the future development strategy of the credit guarantee institutions of small and medium-sized enterprises in our province, which can promote the economic development of our province, further accelerate the development of small and medium-sized enterprises, and improve the economic strength of our province. It has very important theoretical value and practical significance.
【學(xué)位授予單位】：河北工業(yè)大學(xué)
【學(xué)位級別】：博士
【學(xué)位授予年份】：2013
【分類號】：F276.3;F832.4

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