本文選題：融資擔(dān)保　切入點(diǎn)：風(fēng)險(xiǎn)補(bǔ)償　出處：《安徽財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：近十余年,我國(guó)擔(dān)保行業(yè)在國(guó)家經(jīng)濟(jì)高速發(fā)展的大背景下,也實(shí)現(xiàn)了快速發(fā)展,但擔(dān)保行業(yè)有著自身獨(dú)特的發(fā)展模式,作為中小企業(yè)信貸融資增信的工具,由融資擔(dān)保機(jī)構(gòu)為企業(yè)融資彌補(bǔ)抵押物不足的缺陷,解決商業(yè)銀行的信貸配給問(wèn)題,是整個(gè)業(yè)界高度公認(rèn)的風(fēng)險(xiǎn)集中度較高的金融業(yè)務(wù)。擔(dān)保業(yè)務(wù)作為一種公共產(chǎn)品,在為中小企業(yè)解決融資難問(wèn)題所創(chuàng)造的直接經(jīng)濟(jì)效益的同時(shí),具有實(shí)現(xiàn)科技創(chuàng)新、培植稅源、擴(kuò)大就業(yè)等正外部性,而公共產(chǎn)品完全由市場(chǎng)自發(fā)配置資源將會(huì)引起效率損失和供給不足等問(wèn)題,從而出現(xiàn)市場(chǎng)失靈,因此政府應(yīng)通過(guò)主導(dǎo)政策性融資擔(dān)保體系建設(shè),提供風(fēng)險(xiǎn)補(bǔ)償政策并加強(qiáng)應(yīng)用等措施式來(lái)促進(jìn)融資擔(dān)保服務(wù)的市場(chǎng)供給。本文以HY縣擔(dān)保公司為研究對(duì)象,從信貸配給理論、風(fēng)險(xiǎn)轉(zhuǎn)嫁理論、公共產(chǎn)品理論及市場(chǎng)失靈理論等角度,詳細(xì)分析了融資擔(dān)保機(jī)構(gòu)在融資擔(dān)保業(yè)務(wù)市場(chǎng)的應(yīng)用理論基礎(chǔ),并選取美國(guó)、德國(guó)、日本三個(gè)國(guó)家,介紹了三國(guó)具有政府主導(dǎo)特色的融資擔(dān)保補(bǔ)償機(jī)制,對(duì)我國(guó)擔(dān)保行業(yè)風(fēng)險(xiǎn)補(bǔ)償機(jī)制的應(yīng)用具有積極的借鑒意義。在此基礎(chǔ)上,從實(shí)際出發(fā)系統(tǒng)分析了政府風(fēng)險(xiǎn)補(bǔ)償政策在我國(guó)擔(dān)保行業(yè)的應(yīng)用現(xiàn)狀及對(duì)擔(dān)保行業(yè)發(fā)展的促進(jìn)作用。結(jié)合HY縣的實(shí)地調(diào)研,介紹了縣中小企業(yè)擔(dān)保公司這一縣內(nèi)唯一擔(dān)保機(jī)構(gòu),詳細(xì)研究了政府風(fēng)險(xiǎn)補(bǔ)償政策在HY縣的實(shí)際應(yīng)用情況,分析出風(fēng)險(xiǎn)補(bǔ)償政策對(duì)HY縣擔(dān)保公司發(fā)展的貢獻(xiàn),以及存在的不足,從宏觀和微觀兩個(gè)層面提出改善HY縣擔(dān)保公司風(fēng)險(xiǎn)補(bǔ)償政策的應(yīng)用的建議,并從該個(gè)例建議引出對(duì)我國(guó)擔(dān)保行業(yè)一般性的借鑒意義。最后,對(duì)全文做出總結(jié),并指出不足,提出展望。
[Abstract]:In the past ten years, the guarantee industry of our country has also achieved rapid development under the background of the rapid development of the national economy. However, the guarantee industry has its own unique development model, which is used as a credit financing tool for small and medium-sized enterprises.It is a highly recognized financial business with high risk concentration to solve the problem of credit rationing of commercial banks by financing guarantee institutions to make up for the deficiency of collateral for enterprises.As a kind of public goods, guarantee business has the positive externalities of realizing scientific and technological innovation, cultivating tax sources, expanding employment and so on, while creating direct economic benefits for small and medium-sized enterprises to solve financing problems.However, the allocation of resources by the market alone will lead to the loss of efficiency and insufficient supply, which will lead to market failure. Therefore, the government should lead the construction of policy financing guarantee system.Provide risk compensation policy and strengthen the application of measures to promote the financing guarantee service market supply.This article takes HY county guarantee company as the research object, from the credit rationing theory, the risk transfer theory, the public goods theory and the market failure theory and so on angle, has analyzed the financing guarantee organization application theory foundation in the financing guarantee business market in detail.And three countries, the United States, Germany and Japan, are selected to introduce the government-led financing guarantee compensation mechanism, which has positive reference significance for the application of risk compensation mechanism in China's guarantee industry.On this basis, the paper systematically analyzes the application status of government risk compensation policy in China's guarantee industry and its role in promoting the development of guarantee industry.Based on the field investigation in HY county, this paper introduces the guarantee company of small and medium-sized enterprises in the county, and studies in detail the actual application of the government risk compensation policy in HY county.This paper analyzes the contribution of risk compensation policy to the development of HY county guarantee company and its shortcomings, and puts forward some suggestions to improve the application of risk compensation policy in HY county guarantee company from macro and micro aspects.And from this example suggestion leads to our country guarantee industry general reference significance.Finally, the paper summarizes the full text, points out the shortcomings, and puts forward the prospect.
【學(xué)位授予單位】：安徽財(cái)經(jīng)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

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