中小企业信贷融资信用保证机制研究--以深圳市为例(硕士论文)

硕士论文

分类号： 单位代码：10019

密 级： 学 号：S00244

硕士学位论文

中小企业信贷融资信用保证机制研究

——以深圳市为例

Study on Credit Guarantee Mechanism in SME Credit Loan

—A Case of Shenzhen

研

指

研

所导究在究教方学生：师： 向： 农村金融 院：

2003年 06月

硕士论文

中文摘要

信贷融资难问题已经成为制约中小企业发展的一个重要因素。中小企业信贷融资难的原因是多方面的，如现行金融体制存在缺陷、缺乏针对中小企业的政策性金融和相关优惠政策、中小企业信用差等，其中最根本的原因是中小企业信用保证能力不足。

通过对深圳市中小企业的调查发现，中小企业信用保证存在以下问题：银行对抵押资产要求过于严格，要求企业以房地产、土地使用权等作抵押，其他资产无法办理抵押贷款；中小企业规模小、资产数量少，企业缺乏有效的固定资产，从而影响了企业的抵押担保能力；中小企业自身财务制度、信用建设不足；中小企业难以获得外部机构或其他企业的担保等。以上原因直接影响了中小企业的信用保证能力，使其难以获得银行信贷融资。要解决这个问题，我们可以借鉴国外的做法。

国外政府建立了专门用于扶持中小企业的政策性金融体系，对中小企业从员工培训、技术支持、融资、税收等方面给予帮助，特别是成立了中小企业信用担保中心，对中小企业信贷融资提供担保，使中小企业可以相对容易地获得银行的信贷支持。

解决中小企业的信贷融资问题，必须从三个方面入手：政府要逐步建立中小企业的政策性金融体系；银行要开展多种形式的抵押或质押贷款；企业自身要加强信用建设，提高信用等级。

关键词：中小企业, 融资,信贷融资,信用保证机制

硕士论文

Abstract

The problem of credit loan is the important obstruct factor in SME developing. The cause of loan difficulty is many–sided, such as the defection of currant financial system, the scarcity of policy–character finance and some preferential treatment, the poor credit of SME. The critical reason is the scarcity of credit–guarantee capacity in SME.

Through investigation in Shenzhen, we found that there are some problems in SME credit guarantee: Banks are very strict with mortgage assets. Only Buildings and usufruct of land can be mortgaged, the other assets cannot be mortgaged for loan. SME have a little scope; have small quantity assets and lack of valid fixed assets, which affect the mortgage and guarantee capacity for SME. SME have problems in financial system and credit construction. SME have difficulties in obtaining external credit guarantee from other institutions and enterprises. The above–mentioned directly affect credit guarantee capacity and SME cannot obtain bank loan. To solve this problem, we can use the experience of other countries for reference.

The foreign government establish policy–character financial system to support SME. It gives help in staff train, technology support, circulate funds and tax policy. Especially the foundation of SME credit guarantee center (CGC), it supplies guarantee to SME credit and makes SME easily obtain bank loan.

To solve problems in SME credit loan, we should start with three aspects: Government should establish policy–character financial system step by step. Bank should develop diversified mortgage loan or collateral loan program. SME should intensify credit construction and improve credit level.

Key words: small and medium enterprise (SME), circulate funds, credit loan, credit guarantee

mechanism.

硕士论文

目 录

1 引言...............................................................................................1

1.1 选题意义与背景.....................................................................................................1

选题意义............................................................................................................................1

研究背景............................................................................................................................2

金融缺口理论....................................................................................................................4

国内的研究........................................................................................................................4

中小企业的界定................................................................................................................7

融资与信贷融资................................................................................................................7

信用与信用保证................................................................................................................8 1.1.1 1.1.2 1.2 国内外研究进展.....................................................................................................4 1.2.1 1.2.2 1.3 相关概念的界定.....................................................................................................7 1.3.1 1.3.2 1.3.3

1.4

1.5 研究框架...............................................................................................................10 研究方法...............................................................................................................10 2 中小企业融资—总体分 …… 此处隐藏：19093字，全部文档内容请下载后查看。喜欢就下载吧 ……