本文選題：信用擔(dān)保機構(gòu)　切入點：商業(yè)銀行　出處：《貴州財經(jīng)大學(xué)》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(gòu)成主體。中小企業(yè)的正常運轉(zhuǎn)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(dān)保機構(gòu)與銀行合作模式。本文針對這一融資模式結(jié)合中小企業(yè)在國內(nèi)的發(fā)展?fàn)顩r進行綜合探討,共分為七個部分對研究結(jié)果進行呈現(xiàn)。第一部分,導(dǎo)論。導(dǎo)論部分介紹本篇成文的研究背景和研究意義。整理國內(nèi)外相關(guān)的文獻資料,說明本篇論文的研究目標(biāo)、思路以及相關(guān)的研究方法和創(chuàng)新之處。第二部分,闡釋與該模式相關(guān)的基礎(chǔ)理論和相關(guān)概念。包括信用擔(dān)保的概念、銀行合作的理論基礎(chǔ)以及信用擔(dān)保機構(gòu)與銀行合作的動因。第三部分,綜述當(dāng)前信用擔(dān)保機構(gòu)與銀行合作的現(xiàn)狀。探究信用擔(dān)保機構(gòu)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(guān)模式的應(yīng)用。分析日美韓三國的信用擔(dān)保機構(gòu)與銀行合作狀況,總結(jié)經(jīng)驗教訓(xùn)。第五部分,中國國情下的信用擔(dān)保機構(gòu)與銀行合作模式的構(gòu)建。從機制方面、合作基礎(chǔ)方面和合作環(huán)境方面進行確定。第六部分,國內(nèi)信用擔(dān)保機構(gòu)與銀行合作案例分析。以JX信貸機構(gòu)為例,分析國內(nèi)流行的合作模式,并對其結(jié)果進行分析。第七部分,結(jié)論及展望。目前國內(nèi)擔(dān)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(dān)保公司和商業(yè)銀行之間的合作關(guān)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(dān)保機構(gòu)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(guān)系給予建設(shè)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(xué)位授予單位】：貴州財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.3;F276.3

【參考文獻】

相關(guān)期刊論文 前10條

1 羅威;;融資性擔(dān)保公司的審計方法及管理建議——基于風(fēng)險導(dǎo)向的商業(yè)銀行內(nèi)部審計視角[J];金融會計;2013年01期

2 張海峰;;銀擔(dān)合作機制促進銀行信貸投放的思考[J];華北金融;2012年06期

3 張惠;陸岷峰;;擔(dān)保公司的風(fēng)險類型與基本管理策略[J];福建金融管理干部學(xué)院學(xué)報;2011年03期

4 侯冬梅;梁士旗;;商業(yè)銀行與擔(dān)保公司的合作模式與風(fēng)險探討[J];時代金融;2011年17期

5 潘輝;;基于非對稱信息下銀行信貸風(fēng)險分析、貸款合約設(shè)計及擔(dān)保模式的探析[J];經(jīng)濟視角(中旬);2011年02期

6 駢甲;;融資性擔(dān)保公司與銀行的合作分析[J];科技情報開發(fā)與經(jīng)濟;2010年15期

7 孔雷;;商業(yè)銀行對擔(dān)保公司一般授信擔(dān)保業(yè)務(wù)審查審批探討[J];中國新技術(shù)新產(chǎn)品;2010年03期

8 王友鳳;;試論信用擔(dān)保業(yè)的風(fēng)險與防范[J];中國高新區(qū);2008年03期

9 巴勁松;;從“浙江模式”的經(jīng)驗看我國中小企業(yè)信用擔(dān)保模式的建立[J];上海金融;2007年08期

10 謝八妹;;銀信合作制度比較與我國的選擇[J];企業(yè)經(jīng)濟;2007年06期

相關(guān)博士學(xué)位論文 前1條

1 蔣平;中國中小企業(yè)融資擔(dān)保制度問題研究[D];西南財經(jīng)大學(xué);2011年

，

本文編號：1696728