【摘要】：中小企業(yè)信用擔(dān)保業(yè)是國際上公認的高風(fēng)險行業(yè)，風(fēng)險和收益不能完全對等，更多體現(xiàn)的是政府扶持中小企業(yè)的政策導(dǎo)向，我國信用擔(dān)保行業(yè)起步較晚但發(fā)展迅速。目前已初步形成“一體兩翼四層”中小企業(yè)信用擔(dān)保體系模式，這為中小企業(yè)解決融資難問題提供了可能，而再擔(dān)保業(yè)務(wù)的開展是中小企業(yè)信用擔(dān)保體系模式的重要組成部分。近年來，由于中小企業(yè)擔(dān)保公司面臨著諸如資金短缺、風(fēng)險承擔(dān)機制缺失等問題，使得許多中小企業(yè)擔(dān)保公司面臨著經(jīng)營上的困難等問題，而承擔(dān)再擔(dān)保業(yè)務(wù)機構(gòu)的迅猛發(fā)展，也為中小企業(yè)再擔(dān)保業(yè)務(wù)的開展發(fā)揮了舉足輕重的作用。 本文首先對信用擔(dān)保理論、融資擔(dān)保理論及信用再擔(dān)保相關(guān)理論等理論進行總結(jié)，查找出已有研究中的不足和仍需進一步深入研究的地方，為本文的研究奠定理論基礎(chǔ)。其次在對湖南擔(dān)保公司主營業(yè)務(wù)再擔(dān)保業(yè)務(wù)發(fā)展現(xiàn)狀及運用模式分析的基礎(chǔ)上，查找湖南擔(dān)保公司在再擔(dān)保業(yè)務(wù)和運營中存在的問題。然后提出了湖南擔(dān)保公司再擔(dān)保模式的內(nèi)部管理制度；再擔(dān)保的業(yè)務(wù)模式選擇；再擔(dān)保模式的資金保障和運用。并從以上的幾個方面改進了湖南擔(dān)保公司再擔(dān)保模式體系框架。最后分別從組織領(lǐng)導(dǎo)、配套政策、內(nèi)部管理制度以及金融機構(gòu)的支持與利益分配等幾個方面進行闡述，，提出了湖南擔(dān)保公司新?lián)ＤＪ竭\營的保障措施。 本研究不僅對湖南擔(dān)保公司再擔(dān)保業(yè)務(wù)的開展有重大的指導(dǎo)意義，也對其他為中小企業(yè)開展再擔(dān)保業(yè)務(wù)的擔(dān)保公司提供一定的參考和借鑒作用。
[Abstract]:The credit guarantee industry of small and medium-sized enterprises is recognized as a high-risk industry in the world. The risks and benefits can not be completely equal, but more reflect the policy direction of the government to support the small and medium-sized enterprises. The credit guarantee industry of our country started late but developed rapidly. At present, the credit guarantee system model of "one body, two wings and four layers" has been initially formed, which provides the possibility for SMEs to solve the problem of financing difficulties, and the development of re-guarantee business is an important part of the SME credit guarantee system model. In recent years, because SMEs guarantee companies are faced with such problems as shortage of funds and lack of risk-bearing mechanism, many SMEs guarantee companies are faced with problems such as management difficulties, and the rapid development of undertaking re-guarantee business organizations. Also for the development of small and medium-sized enterprises re-guarantee business played a pivotal role. Firstly, this paper summarizes the theories of credit guarantee, financing guarantee and credit reguarantee, and finds out the deficiency of existing research and the places that need to be further studied, so as to lay a theoretical foundation for the research of this paper. Secondly, on the basis of the analysis of the current situation and the application mode of the reguarantee business of Hunan guarantee Company, the problems existing in the reguarantee business and operation of Hunan guarantee Company are found. Then it puts forward the internal management system of reguarantee mode of Hunan guarantee company, the choice of business model of reguarantee, and the fund guarantee and application of reguarantee mode. And from the above several aspects to improve the Hunan guarantee company reguarantee model system framework. Finally, from the aspects of organization leadership, supporting policy, internal management system, support and benefit distribution of financial institutions, the paper puts forward the safeguard measures of the new guarantee mode operation of Hunan guarantee Company. This research not only has great guiding significance for Hunan guarantee company to carry out reguarantee business, but also provides certain reference and reference to other guarantee companies that carry out reguarantee business for small and medium-sized enterprises.
【學(xué)位授予單位】：湖南大學(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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