【作者】 薛钰显；

【导师】 金浩；

【作者基本信息】 河北工业大学 ， 管理科学与工程， 2013， 博士

【摘要】 如今，中小企业发展已经成为国家整体经济发展的重中之重，对于解决就业、增加税收、保持经济快速增长起着越来越重要的作用。然而，在全球经济的发展过程中，中小企业融资一直是一个难题，是限制中小企业发展的关键性问题。提供融资便利成为各个国家支持中小企业发展共同选择的政策导向，近些年融资担保成为各国解决该难题普遍采用的金融支持模式，国内外大量成功实践表明，构建中小企业融资担保机制是解决融资瓶颈的重要途径。河北省紧邻全国经济和政治重地——京津地区，这独特的地理位置使其发展环境与众不同，因此中小企业融资环境也与东南沿海及中西部地区差异较大，这会产生很大的影响。而且，中小企业在河北省的全省经济中占的比重很大，几乎涉及全部产业领域，也造就了一批优势的产业集群，但是融资问题阻碍了中小企业发展。因此只有加快发展中小企业融资担保体系，才能进一步加快中小企业的发展，使其渡过发展的瓶颈，也就能有效提高河北省的经济实力。本文首先对国际典型中小企业融资担保体系的发展经验进行了对比，并将其对我国的启示与借鉴意义进行了总结；其次通过对国内中小企业融资与信用担保业发展现状以及特点的分析，尤其是对河北省中小企业融资现状与信用担保机构发展的调查分析，总结出了省内中小企业融资与信用担保存在的主要问题；第三，对河北省中小企业信用担保服务中心的发展背景与运营概况做了介绍；第四，针对省内中小企业融资现状与信用担保机构存在的问题和面对的风险，对中小企业信用担保机构提出了风险综合管理战略；第五，针对性的构建了中小企业信用评价指标体系；第六，为信用担保机构分析了体制创新与学习的重要性并提出建议；最后，为今后中小企业信用担保机构的健康发展提出保障性战略与建设性意见。因此，深入剖析我国中小企业信用担保组织运行现状及一般规律，在总结、借鉴国外中小企业信用担保组织体系构建及其运行成功经验的基础上，针对性的就我省中小企业融资担保问题进行深入、系统的研究，科学构建我省中小企业信用担保体系与制度框架，并为我省中小企业信用担保机构的未来的发展战略提供可供借鉴的指导和建议，对于推动我省经济发展，进一步加快中小企业的发展，提高我省的经济实力，有着十分重要的理论价值和现实意义。更多还原

【Abstract】 Currently, SMEs (small and medium-sized enterprises) have become animportant part of national economy and played an increasingly important role insolving the problem of employment, increasing tax revenue and maintaining rapideconomic growth. However, in the process of development of the global economy,SME financing has been a problem and the key issue of limiting the SMEsdevelopment. Supporting the development of SMEs and providing convenientfinancing has become a national common choice. In recent years, financingguarantees has become a commonly used mode for countries to solve this problem. Alarge number of successful practices at home and abroad show that building the SMEfinancing guarantee mechanism is an important way to solve the financing bottleneck.Hebei Province adjacents to the Beijing-Tianjin region where is the nationaleconomic and political powerhouse. This unique location makes it uniqueenvironment for development. Therefore, the financing environment for SMEs is verydifferent with the southeast coast and Midwest regional, which would have a hugeimpact. Moreover, SMEs in Hebei province’s economy accounts for a significantproportion and involves almost all industries. It also created a number of strongindustrial clusters, but financing problems have hindered the development of SMEs.Therefore, only accelerate the development of SME financing guarantee system inorder to further accelerate the development of SMEs. Making it through thebottleneck of the development can effectively improve the economic strength ofHebei Province and develop the national economy healthy and orderly.Firstly, this paper compares the development experience of the internationaltypical SME financing guarantee system and summerizes implications and referencesfor China. Secondly, this paper analyses the domestic SME financing and creditguarantee industry development status and characteristics. In particular, through theinvestigation and analysis of the financing situation of SMEs in Hebei Province andthe development of credit guarantee institutions, this paper summerizes the mainproblems of the SME financing and credit guarantee in Hebei Province.Thirdly, thispaper make a presentation on the development background and operational profile ofSME credit guarantee service center in Hebei Province. Fourthly, for the problems of SMEs financing status and the risks faced by credit guarantee institutions, this paperproposes integrated management strategy of the risk. Fifth, this paper builds a creditevaluation index system for SMEs. Sixth, this paper analyzes the importance of theinstitutional innovation and learning and makes some recommendations. Finally, tothe healthy development of the SMEs’ credit guarantee institutions in the future, thispaper some protection strategys and constructive comments.Therefore, through depth analysis of SME Credit Guarantee Organizationsrunning status and general laws and based on summing up the experience fromforeign SME credit guarantee system construction and successful organization, wemake a depth and systematic study which targetes the issue of SME financingguarantee in our province. Simultaneously, we build a scientific SME credit guaranteesystem and institutional framework of our province and propose guidances andadvices for the future development strategy of the SME credit guarantee institutions.It has a very important theoretical and practical significance to promote the province’seconomic development, accelerate the development of small and medium-sizedenterprises and improve the province’s economic strength.更多还原