發(fā)布時間：2018-04-01 18:24

  本文選題：信用擔保機構　切入點：商業(yè)銀行　出處：《貴州財經(jīng)大學》2017年碩士論文

【摘要】：企業(yè)是經(jīng)濟活動的主要參與者。在實際的經(jīng)濟生活中,全國性或者跨國性的大型企業(yè)數(shù)量是有限的,更多反而是大大小小不同的中小企業(yè)。因此,可以說中小企業(yè)是企業(yè)中的構成主體。中小企業(yè)的正常運轉對經(jīng)濟的發(fā)展具有重要的作用。中小企業(yè)在發(fā)展過程中面臨很多困難,包括資金、人員、資源、市場等。世界各國都比較重視對中小企業(yè)的支持,尤其近年來,在解決中小企業(yè)融資難的問題上進行了不少研究和探索。同樣地,解決中小企業(yè)融資的問題也是我國中央以及地方各級政府的主要工作之一。中小企業(yè)進行融資的方式之一是信用擔保機構與銀行合作模式。本文針對這一融資模式結合中小企業(yè)在國內的發(fā)展狀況進行綜合探討,共分為七個部分對研究結果進行呈現(xiàn)。第一部分,導論。導論部分介紹本篇成文的研究背景和研究意義。整理國內外相關的文獻資料,說明本篇論文的研究目標、思路以及相關的研究方法和創(chuàng)新之處。第二部分,闡釋與該模式相關的基礎理論和相關概念。包括信用擔保的概念、銀行合作的理論基礎以及信用擔保機構與銀行合作的動因。第三部分,綜述當前信用擔保機構與銀行合作的現(xiàn)狀。探究信用擔保機構與銀行合作中的問題,分析問題產(chǎn)生的由來。第四部分,國外相關模式的應用。分析日美韓三國的信用擔保機構與銀行合作狀況,總結經(jīng)驗教訓。第五部分,中國國情下的信用擔保機構與銀行合作模式的構建。從機制方面、合作基礎方面和合作環(huán)境方面進行確定。第六部分,國內信用擔保機構與銀行合作案例分析。以JX信貸機構為例,分析國內流行的合作模式,并對其結果進行分析。第七部分,結論及展望。目前國內擔保行業(yè)處于規(guī)范整頓的階段。在這一背景下,本文探討了新形勢下的信用擔保公司和商業(yè)銀行之間的合作關系,對拓寬中小企業(yè)的融資渠道有重要的現(xiàn)實意義。此外,分析信用擔保機構與銀行合作過程中遇到的障礙,從產(chǎn)生原因入手為優(yōu)化雙方合作關系給予建設性的意見。
[Abstract]:Enterprises are the main participants in economic activities. In actual economic life, the number of large national or transnational enterprises is limited, and more are small and small enterprises of different sizes. It can be said that small and medium-sized enterprises are the main components of enterprises. The normal operation of small and medium-sized enterprises plays an important role in the development of the economy. Small and medium-sized enterprises face many difficulties in the process of development, including funds, personnel and resources. Markets and so on. Countries all over the world attach more importance to the support of small and medium-sized enterprises, especially in recent years, a lot of research and exploration have been carried out to solve the financing difficulties of small and medium-sized enterprises. Similarly, To solve the financing problem of SMEs is also one of the main tasks of the central and local governments at all levels. One of the ways of financing for SMEs is the mode of cooperation between credit guarantee institutions and banks. This paper aims at this financing model. Combined with the development of small and medium-sized enterprises in China, It is divided into seven parts to present the research results. The first part is the introduction. The introduction introduces the research background and significance of this paper. Ideas and related research methods and innovations. The second part explains the basic theory and related concepts related to the model, including the concept of credit guarantee, The third part summarizes the current situation of the cooperation between the credit guarantee institution and the bank, and explores the problems in the cooperation between the credit guarantee institution and the bank. Analysis of the origin of the problem. Part IV, the application of relevant foreign models. Analysis of the credit guarantee institutions in Japan, the United States and South Korea and banking cooperation, summed up the experience and lessons learned. Part five, The construction of cooperation model between credit guarantee institutions and banks under China's national conditions. From the aspects of mechanism, cooperation basis and cooperation environment, the sixth part, A case study of domestic credit guarantee agencies and banks. Taking JX credit institutions as an example, this paper analyzes the popular cooperation models in China and analyzes the results. Conclusion and prospect. At present, the domestic guarantee industry is in the stage of normalizing and rectifying. Under this background, this paper discusses the cooperative relationship between the credit guarantee companies and commercial banks under the new situation. In addition, the paper analyzes the obstacles encountered in the process of cooperation between credit guarantee institutions and banks, and gives constructive suggestions for optimizing the cooperative relationship between the two sides.
【學位授予單位】：貴州財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.3;F276.3

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