【作者】 石红；

【导师】 安合祥；

【作者基本信息】 天津财经大学 ， 金融学， 2010， 硕士

【摘要】 中小企业融资难是我国当前研究热点之一。建立融资担保机构(包括政策性融资担保机构、商业性融资担保机构、互助性融资担保机构)为中小企业融资提供服务,是解决中小企业融资的途径之一。文章对互助性融资担保机构的研究,旨在研究其运行机理,以便兴利除弊,保证互助性融资担保取得更好效果。文章对相关文献梳理之后,从互助性融资担保在国内的实践出发,以完全民间的互助性融资担保机构为重点,剖析了其运行机制。从法律规范、监管角度分析了制约互助性融资担保机构发展的外部因素,并为促进互助性融资担保机构发展提出了建议。具体安排如下：第1章对担保理论进行了梳理；第2章介绍了互助性融资担保机构在我国的运行,包括内部结构、运行程序、风险分担,以及互助性融资担保机构在我国的实践情况；第3章指出制约互助性融资担保发展的内外部因素,内部因素包括互助性融资担保机构存在系统风险、缺乏与其他机构的合作、缺少专业人才,外部因素有对担保机构的法律监管不明确,监管有效性不足；在第4章中,文章基于以上实践经验和存在的问题,提出相应对策,即建立多方合作的互助性融资担保机构,以及优化外部环境——加强融资担保法律法规建设、促进担保业的自律监督等。文章通过总结互助性融资担保在我国的实践经验,提出构建一个多方合作的互助性融资担保机构。该互助性融资担保机构由政府出资、工商联、商业银行、再担保机构等共同参与协作,是一个信息更加透明,业务合作更加广泛的担保机构。更多还原

【Abstract】 Nowadays, it is one of hotspots that middle and small enterprises (SME) can hardly have funded. One of good ways to solve this problem is to build Guarantee Institutions for SME funding, which include political Guarantee Institutions, Commercial Guarantee Institutions, and Mutual Guarantee Institutions (MGIs). The purpose of this paper is studying how MGIs run to make them better. After collecting and summarizing related theories and cases, this paper, considering practice in domestic MGIs, analyses the nongovernmental MGIs’ operation, which is the main point. Then this paper goes further to analyses the circumstance factors which influence the MGIs to develop, including laws themselves and supervision, and points out some advice.There are some details:We collect and summarize related theories in the first chapter; and we devote chapter 2 to talk about how the MGIs run in China, including their type of organization, operational mechanism, ratio of risk sharing, and their practice. Then, in the 3rd chapter, we point out that there are some factors which restrict their developing:the factors inside are that MGIs have systematic risk, less cooperation with other related agencies or organization and professional stuff; the factors outside are lack of laws of supervision for the whole Guarantee Institutions—which is undefined and less efficient; The 4th chapter indicates some advances toward the problems above to help the Security industry, which are to build multi-cooperation MGIs, and improve their external conditions—including intensified laws and regulations to enhance supervision, promoting self-monitioring.By lessons learned from the practice of MGIs, an innovative point in this paper is to build a multi-cooperation MGI, which is funded by local government and cooperates with Re-guarantee institutions, commercial banks and Industry and Commerce Union. It has more transparency information and extensive cooperation.更多还原