【摘要】：改革開放以來，我國中小企業(yè)得到了迅速發(fā)展，在創(chuàng)造社會財富、吸納就業(yè)、構(gòu)建和諧社會等方面扮演著重要角色，成為國民經(jīng)濟(jì)中的一支重要力量。然而，融資難問題卻一直困擾著廣大中小企業(yè)的發(fā)展，并且隨著宏觀經(jīng)濟(jì)環(huán)境的惡化而愈演愈烈，成為制約中小企業(yè)健康發(fā)展的重要“瓶頸”。信用擔(dān)保公司是擔(dān)負(fù)中小企業(yè)信用擔(dān)保職能的專業(yè)機(jī)構(gòu)，通過有償出借自身信用資源、防控信用風(fēng)險來獲取經(jīng)濟(jì)與社會效益。但擔(dān)保機(jī)構(gòu)由于自身的經(jīng)營管理不善及不規(guī)范運(yùn)作行為使得整體行業(yè)的信用水平降低。擔(dān)保公司與銀行在具體信貸業(yè)務(wù)發(fā)生過程中分工不明確，在風(fēng)險分擔(dān)等方面的業(yè)務(wù)合作模式還沒有建立,導(dǎo)致銀保合作平臺的業(yè)務(wù)發(fā)展遇到瓶頸，從而使信用擔(dān)保平臺下的中小企業(yè)信貸業(yè)務(wù)的發(fā)展受到嚴(yán)重打擊。因此發(fā)現(xiàn)該類信貸業(yè)務(wù)發(fā)展中蘊(yùn)藏的問題并提出相應(yīng)的解決方案就顯得非常迫切及必要。 現(xiàn)階段商業(yè)銀行主要通過中小企業(yè)信用擔(dān)保來緩解中小企業(yè)融資困難的問題，以H銀行西安分行為例，其中小企業(yè)信貸業(yè)務(wù)的構(gòu)成中，信用擔(dān)保下的中小企業(yè)信貸業(yè)務(wù)占總中小企業(yè)信貸業(yè)務(wù)的絕對比重。本文主要研究H銀行西安分行信用擔(dān)保下的中小企業(yè)信貸業(yè)務(wù)發(fā)展的現(xiàn)狀以及此類業(yè)務(wù)快速發(fā)展中遇到的瓶頸問題，最終提出相應(yīng)的解決方案。 本文通過數(shù)據(jù)分析法、案例法、類比法等方法對目前H銀行西安分行信用擔(dān)保下的中小企業(yè)信貸業(yè)務(wù)進(jìn)行研究，，最終提出H銀行西安分行信用擔(dān)保下的中小企業(yè)信貸業(yè)務(wù)要突破瓶頸實(shí)現(xiàn)快速健康發(fā)展就需要：首先從包括產(chǎn)業(yè)鏈、成長性、企業(yè)社會責(zé)任及企業(yè)家社會道德金融生態(tài)環(huán)境等角度的實(shí)際出發(fā)，建設(shè)與完善多維立體的中小企業(yè)評價體系；其次，由于擔(dān)保公司的健康持續(xù)發(fā)展、自身充足的資金本金和代償能力、規(guī)范的經(jīng)營會有效地提高銀行信貸風(fēng)險控制要求中對于擔(dān)保公司的認(rèn)可度，所以銀行應(yīng)主動出擊，加強(qiáng)對擔(dān)保機(jī)構(gòu)的篩選、評價、管理體系的建立使得信用擔(dān)保平臺健康持續(xù)發(fā)展；最后，銀行通過不斷完善和提高自身對擔(dān)保公司項(xiàng)下的中小企業(yè)信貸風(fēng)險管理水平，一方面有利于降低自身不良及損失類貸款的發(fā)生概率，同時有助于構(gòu)筑合理的中小企業(yè)信用評價體系。
[Abstract]:Since the reform and opening up, small and medium-sized enterprises in China have been developing rapidly, which plays an important role in creating social wealth, absorbing employment and building a harmonious society, and has become an important force in the national economy. However, the problem of financing difficulties has been puzzling the development of small and medium-sized enterprises, and with the deterioration of the macroeconomic environment, it has become an important "bottleneck" restricting the healthy development of small and medium-sized enterprises. Credit guarantee company is a professional organization which is responsible for the credit guarantee function of small and medium-sized enterprises. It can obtain economic and social benefits by lending its own credit resources and preventing and controlling the credit risk. However, the credit level of the whole industry is reduced due to the improper management and non-standard operation of the guarantee organization. The division of labor between the guarantee company and the bank in the process of the specific credit business is not clear, and the business cooperation mode in the aspect of risk sharing has not been established, which leads to the bottleneck of the business development of the bancassurance cooperation platform. As a result, the development of small and medium-sized enterprises credit business under the credit guarantee platform has been seriously hit. Therefore, it is very urgent and necessary to find the problems in the development of this kind of credit business and put forward corresponding solutions. At this stage, commercial banks mainly use SME credit guarantee to alleviate the financing difficulties of SMEs. Taking the Xi'an Branch of H Bank as an example, the composition of SME credit business, Under the credit guarantee, the SME credit business accounts for the absolute proportion of the total SME credit business. This paper mainly studies the current situation of the development of SME credit business under the credit guarantee of Xi'an Branch of H Bank and the bottleneck problems encountered in the rapid development of this kind of business, and finally puts forward the corresponding solutions. This paper studies the credit business of small and medium-sized enterprises under the credit guarantee of Xi'an Branch of H Bank by means of data analysis, case law, analogy and so on. Finally, it is proposed that the small and medium-sized enterprises' credit business under the credit guarantee of Xi'an Branch of H Bank need to break through the bottleneck to achieve rapid and healthy development: first of all, from including the industrial chain, growth, From the perspective of corporate social responsibility and entrepreneur's social, moral, financial and ecological environment, we should build and perfect a multi-dimensional evaluation system for small and medium-sized enterprises. Secondly, due to the healthy and sustainable development of the guarantee companies, With their own sufficient capital and compensatory capacity, standardized operation will effectively enhance the recognition of guarantee companies in the credit risk control requirements of banks. Therefore, banks should take the initiative to attack and strengthen the screening and evaluation of guarantee institutions. The establishment of the management system makes the credit guarantee platform develop healthily and continuously. Finally, the banks improve and improve their credit risk management level of SMEs under the guarantee company. On the one hand, it helps to reduce the probability of bad loans and losses, and at the same time, it helps to build a reasonable credit evaluation system for small and medium-sized enterprises.
【學(xué)位授予單位】：西北農(nóng)林科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4

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