本文選題：中小企業(yè) + 融資擔(dān)保��； 參考：《吉林大學(xué)》2014年碩士論文

【摘要】：當(dāng)前，我國(guó)擔(dān)保體系發(fā)展在金融領(lǐng)域內(nèi)占重要位置，為中小企業(yè)融資擔(dān)保、促進(jìn)金融公平，尤其是為煥發(fā)金融擔(dān)保市場(chǎng)多元主體活力，增加就業(yè)崗位，推動(dòng)經(jīng)濟(jì)整體發(fā)展而實(shí)現(xiàn)的一種創(chuàng)新產(chǎn)物。中小企業(yè)作為推動(dòng)我國(guó)現(xiàn)代化建設(shè)的重要力量，在國(guó)民經(jīng)濟(jì)的可持續(xù)發(fā)展中具有不可替代的作用和意義。然而，現(xiàn)在中小企業(yè)市場(chǎng)競(jìng)爭(zhēng)力弱并存在信用缺失、我國(guó)金融體系尚待完善等原因的共同作用下，中小企業(yè)普遍面臨著融資困難的問(wèn)題。 而在改革開(kāi)放的今天隨著市場(chǎng)經(jīng)濟(jì)的逐步加深，中小型企業(yè)在滿足居民個(gè)性化需求、實(shí)現(xiàn)社會(huì)化專(zhuān)業(yè)協(xié)作、進(jìn)行科技創(chuàng)新、增加就業(yè)等方面發(fā)揮著日益突出的作用，而大力發(fā)展中小民營(yíng)企業(yè)經(jīng)濟(jì)又是實(shí)現(xiàn)安徽省經(jīng)濟(jì)總量爭(zhēng)先進(jìn)位、人均水平進(jìn)入中等、居民收入進(jìn)入全國(guó)前列，確保與全國(guó)同步全面建成小康社會(huì)的重大戰(zhàn)略舉措，而近年來(lái)安徽省中小企業(yè)雖然發(fā)展蓬勃，但仍有很多問(wèn)題困擾著這類(lèi)企業(yè)的發(fā)展和壯大，其中融資難是制約中小企業(yè)發(fā)展的突出問(wèn)題，而融資難的主要瓶頸是擔(dān)保難，因?yàn)檫@類(lèi)企業(yè)存在著抗風(fēng)險(xiǎn)性小、管理制度不完善、市場(chǎng)競(jìng)爭(zhēng)力弱并存在信用缺失，等諸多問(wèn)題。最新的中國(guó)銀監(jiān)會(huì)《關(guān)于金融機(jī)構(gòu)與擔(dān)保公司開(kāi)展合作的風(fēng)險(xiǎn)提示》明確指出:近年來(lái)部分擔(dān)保企業(yè)經(jīng)營(yíng)情況令人擔(dān)憂，擔(dān)保信用不足，擔(dān)保機(jī)構(gòu)違規(guī)現(xiàn)象嚴(yán)重，農(nóng)村中小金融機(jī)構(gòu)與擔(dān)保公司的業(yè)務(wù)合作中，存在的風(fēng)險(xiǎn)隱患已經(jīng)顯現(xiàn)或形成風(fēng)險(xiǎn)事實(shí)，應(yīng)引起高度關(guān)注。 本文首先簡(jiǎn)要介紹了太湖縣融資擔(dān)保有限責(zé)任公司的發(fā)展歷程和主要數(shù)據(jù)，進(jìn)而對(duì)公司所處的整體宏觀環(huán)境進(jìn)行分析，，并按照PEST分析法詳盡地分析政治、經(jīng)濟(jì)、社會(huì)以及技術(shù)因素在公司的外部環(huán)境中發(fā)揮的作用以及影響，然后對(duì)太湖縣融資擔(dān)保有限責(zé)任公司所處在的融資性擔(dān)保領(lǐng)域整體行業(yè)環(huán)境進(jìn)行深入的研究，分析了行業(yè)目前所處現(xiàn)狀及未來(lái)發(fā)展趨勢(shì)。討論了中小企業(yè)融資困難的現(xiàn)狀，提出解決這一問(wèn)題必須以金融創(chuàng)新為途徑，建立健全多層次融資在擔(dān)保體系，集中力量、整合資源、聚焦支持、持續(xù)加大投入，扶持融資性擔(dān)保機(jī)構(gòu)盡快做大做強(qiáng)，按照效率優(yōu)先原則，合理安排擔(dān)保資源投向，引導(dǎo)融資性擔(dān)保機(jī)構(gòu)通過(guò)改善經(jīng)營(yíng)管理、深化銀行與擔(dān)保機(jī)構(gòu)合作等途徑提高擔(dān)保資源使用率，加快構(gòu)建信用體現(xiàn)，推進(jìn)信息系統(tǒng)建設(shè)，服務(wù)實(shí)體經(jīng)濟(jì)發(fā)展，最后通過(guò)系統(tǒng)分析太湖縣融資擔(dān)保有限責(zé)任公司的內(nèi)外部環(huán)境以及自身的優(yōu)劣勢(shì)、機(jī)遇與威脅，為公司制定合理的經(jīng)營(yíng)策略。
[Abstract]:At present, the development of China's guarantee system occupies an important position in the financial field. It provides financing guarantees for small and medium-sized enterprises, promotes financial fairness, especially for coruscating the pluralistic main body of the financial guarantee market and increasing employment posts. A product of innovation that promotes the overall development of the economy. As an important force to promote the modernization of our country, small and medium-sized enterprises play an irreplaceable role and significance in the sustainable development of national economy. However, at present, the market competitiveness of SMEs is weak and the credit is lacking, and the financial system of our country is still in need of perfection, so the SMEs are generally faced with the problem of financing difficulties. Today, with the deepening of the market economy, small and medium-sized enterprises are playing an increasingly prominent role in satisfying the individual needs of the residents, realizing socialized professional cooperation, carrying out scientific and technological innovations, and increasing employment, etc. And vigorously developing the economy of small and medium-sized private enterprises is a major strategic measure to achieve the goal of striving for the advanced position in the total economic volume of Anhui Province, the average per capita level entering into the middle, the income of the residents entering the forefront of the country, and ensuring that a well-off society is built in an all-round way at the same In recent years, although the development of small and medium-sized enterprises in Anhui Province is booming, there are still many problems that haunt the development and growth of such enterprises, in which the financing difficulty is a prominent problem restricting the development of small and medium-sized enterprises, and the main bottleneck of the financing difficulty is the difficulty of guarantee. There are many problems in this kind of enterprises, such as low risk resistance, imperfect management system, weak market competitiveness and lack of credit. The latest China Banking Regulatory Commission's risk Tip on Cooperation between Financial institutions and guarantee companies clearly points out: in recent years, some of the guarantee enterprises have been operating in a worrisome manner, with insufficient guarantee credit and serious violations of regulations by guarantee agencies. In the business cooperation between small and medium-sized rural financial institutions and guarantee companies, the hidden risks have emerged or formed, which should be highly concerned. Firstly, this paper briefly introduces the development course and main data of Taihu County financing guarantee Co., Ltd., then analyzes the overall macro environment of the company, and analyzes the politics and economy in detail according to the PEST analysis method. The role and influence of social and technological factors in the external environment of the company, and then the overall industry environment of Taihu County financing guarantee Co., Ltd., which is located in the field of financing guarantee, is studied in depth. The present situation and future development trend of the industry are analyzed. This paper discusses the present situation of the financing difficulties of small and medium-sized enterprises, and puts forward that to solve this problem, we must take financial innovation as the way to establish and perfect the multi-level financing system in the guarantee system, concentrate on the strength, integrate the resources, focus on the support, and continue to increase the investment. To support the financing guarantee institutions to become bigger and stronger as soon as possible, according to the principle of priority of efficiency, to arrange the investment of guarantee resources rationally, and to guide the financing guarantee institutions to improve their operation and management. We should deepen cooperation between banks and guarantee agencies to improve the utilization rate of guarantee resources, speed up the construction of credit representation, promote the construction of information systems, and serve the development of the real economy. Finally, through the systematic analysis of Taihu County financing guarantee Co., Ltd.'s internal and external environment as well as its own advantages and disadvantages, opportunities and threats, to formulate a reasonable business strategy for the company.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.39

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