本文選題：擔(dān)保機(jī)構(gòu) + 可持續(xù)發(fā)展��； 參考：《哈爾濱商業(yè)大學(xué)》2017年碩士論文

【摘要】：擔(dān)保作為一種新的組織形式,服務(wù)于金融機(jī)構(gòu)與需要融資的中小企業(yè),在經(jīng)濟(jì)活動(dòng)中成為二者之間的紐帶。對(duì)銀行來(lái)說(shuō),擔(dān)保機(jī)構(gòu)相當(dāng)于替銀行完成了調(diào)查貸款企業(yè)信用的工作,為銀行減少這方面的成本,并且替銀行承擔(dān)了信用風(fēng)險(xiǎn),提高了銀行的業(yè)務(wù)效率。對(duì)中小企業(yè)來(lái)說(shuō),很多需要因不具備銀行貸款的資質(zhì)而無(wú)法從銀行獲得貸款的中小企業(yè)則可以因信用擔(dān)保機(jī)構(gòu)的存在實(shí)現(xiàn)信用增級(jí)從而獲得貸款,促進(jìn)中小企業(yè)資金融通從而促進(jìn)資源合理配置。中小企業(yè)信用擔(dān)保機(jī)構(gòu)最基本的職能便是為中小企業(yè)提供信用擔(dān)保,其手段是通過(guò)收取報(bào)酬的方式出借自己的信用,達(dá)到其風(fēng)險(xiǎn)與收益之間的平衡。隨著經(jīng)濟(jì)的發(fā)展與轉(zhuǎn)型,擔(dān)保行業(yè)應(yīng)運(yùn)而生。在國(guó)家政策的引導(dǎo)下,信用擔(dān)保機(jī)構(gòu)在短暫的20年中逐步發(fā)展壯大,成為我國(guó)經(jīng)濟(jì)體系中不可或缺的組織形式。研究對(duì)象均信擔(dān)保是黑龍江省第一家股份制擔(dān)保公司,是國(guó)內(nèi)領(lǐng)先的小微企業(yè)融資擔(dān)保機(jī)構(gòu)。在中小企業(yè)信用擔(dān)保機(jī)構(gòu)的蓬勃發(fā)展中,融資難的問(wèn)題逐漸得到改善,但與此同時(shí)也出現(xiàn)一些值得思考的問(wèn)題。中小企業(yè)信用擔(dān)保機(jī)構(gòu)作為專業(yè)性很強(qiáng)的融資中介,本身承擔(dān)了高風(fēng)險(xiǎn)低收益的矛盾。如何加強(qiáng)內(nèi)部管理,有效的規(guī)避風(fēng)險(xiǎn),提高財(cái)務(wù)效率,真正實(shí)現(xiàn)可持續(xù)發(fā)展,是值得我們今天深入研究的。中小企業(yè)信用擔(dān)保機(jī)構(gòu)為中小企業(yè)的發(fā)展保駕護(hù)航,擔(dān)任著十分重要的角色。此外,在市場(chǎng)經(jīng)濟(jì)發(fā)展的促使下,中小企業(yè)信用擔(dān)保機(jī)構(gòu)也要形成自己自身的行業(yè)競(jìng)爭(zhēng)優(yōu)勢(shì)、管理優(yōu)勢(shì)、以及財(cái)務(wù)效率優(yōu)勢(shì),市場(chǎng)要求擔(dān)保行業(yè)不斷創(chuàng)新,實(shí)現(xiàn)可持續(xù)發(fā)展�；谶@樣的研究思想,我采用了多種研究方法:第一,理論研究。對(duì)信用擔(dān)保行業(yè)的相關(guān)理論加以分析,探究其與中小企業(yè)、商業(yè)銀行之間的關(guān)系。第二,定性研究。分析闡述了影響信用擔(dān)保機(jī)構(gòu)可持續(xù)發(fā)展的影響因素以及影響擔(dān)保機(jī)構(gòu)財(cái)務(wù)效率的相關(guān)因素。第三,定量研究。運(yùn)用定量分析方法,分析了均信擔(dān)保機(jī)構(gòu)近三年的財(cái)務(wù)效率狀況及其可持續(xù)發(fā)展?fàn)顩r,進(jìn)一步討論了均信擔(dān)保機(jī)構(gòu)可持續(xù)發(fā)展和財(cái)務(wù)效率之間的關(guān)系。第四,系統(tǒng)的研究方法�？沙掷m(xù)發(fā)展的實(shí)現(xiàn)是一個(gè)戰(zhàn)略性質(zhì)的過(guò)程,不僅要實(shí)施全面的戰(zhàn)略管理,把控風(fēng)險(xiǎn),還要不斷加強(qiáng)業(yè)務(wù)創(chuàng)新,探究其利潤(rùn)渠道創(chuàng)新與合作方式創(chuàng)新。有鑒于此,從中小企業(yè)信用擔(dān)保機(jī)構(gòu)財(cái)務(wù)效率方面探討中小企業(yè)信用擔(dān)保機(jī)構(gòu)的可持續(xù)發(fā)展。
[Abstract]:As a new form of organization, guarantee serves both the financial institutions and the small and medium enterprises that need to be financed. In the economic activities, the guarantee is the bond between the two. For the bank, the guarantee agency is equivalent to completing the work of the bank to investigate the credit of the loan enterprise for the bank, reducing the cost for the bank and taking the credit risk for the bank. For small and medium sized enterprises, many small and medium enterprises which are unable to obtain loans from banks that do not possess the qualification of bank loans can achieve credit enhancement by credit guarantee institutions, and promote the rational allocation of resources in the financing of small and medium-sized enterprises. The basic function of the insurance agency is to provide credit guarantee for small and medium-sized enterprises. The means is to borrow their own credit through the way of collecting remuneration to achieve the balance between their risk and income. With the development and transformation of the economy, the guarantee industry arises at the historic moment. Under the guidance of the national policy, the credit guarantee institution has been gradually issued for a short period of 20 years. It has become an indispensable organizational form in our country's economic system. The research object believes that the guarantee is the first shareholding Guarantee Corporation in Heilongjiang province. It is the leading financing guarantee institution for small and micro enterprises in China. In the flourishing development of the credit guarantee institutions of small and medium-sized enterprises, the problem of financing difficulty has been improved gradually, but at the same time it appears. The credit guarantee institutions of small and medium-sized enterprises, as a very professional financing intermediary, bear the contradiction of high risk and low income. How to strengthen internal management, avoid risks effectively, improve financial efficiency and realize sustainable development is worth our in-depth study today. In addition, under the impetus of the development of the market economy, the SME credit guarantee institutions should also form their own competitive advantages, management advantages, and financial efficiency advantages. The market demands the continuous innovation of the guarantee industry to achieve sustainable development. Based on this Research ideas, I adopted a variety of research methods: first, theoretical research. Analyze the related theory of credit guarantee industry, explore its relationship with small and medium enterprises and commercial banks. Second, qualitative research. Analyze the influence factors of the sustainable development of credit guarantee institutions and the phase of influencing the financial efficiency of guarantee institutions. Third, quantitative research. Using quantitative analysis method, the financial efficiency and sustainable development of the guarantee institution for the last three years are analyzed. The relationship between the sustainable development and the financial efficiency of the guarantee institution is further discussed. Fourth, the systematic research method. The realization of the sustainable development is a strategic nature. The process, not only to implement comprehensive strategic management, to control risk, but also to constantly strengthen business innovation, explore its profit channel innovation and cooperation mode innovation. In this case, the sustainable development of credit guarantee institutions for SMEs is discussed from the financial efficiency of the SME credit guarantee institutions.
【學(xué)位授予單位】：哈爾濱商業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.39;F830.42

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本文編號(hào)：2048250