【毕业论文】信用担保体系--中小企业融资信用担保体系研究.docVIP

本科毕业论文 题 目 中小企业融资信用担保体系研究 学 院 经贸学院 专 业 经济学 班 级 学 号 学生姓名 指导教师 完成日期 2012年4月  摘 要 中小企业在促进经济发展，提供就业岗位，推动创新以及保持社会稳定等方面发挥着重要的作用。但是由于我国政策制度以及企业本身所限的原因，融资难已成为制约中小企业直至经济发展的重要原因。我国中小企业竞争激烈，并且大部分企业利率低，内源性融资完全无法满足企业需求，以致我国中小企业的资金来源主要依赖于银行信贷，而由于我国市场发展的滞后，银行在信贷上更倾向于大型企业，另外，因为存在中小企业与银行之间信息不对称等因素，中小企业融资陷入了一个尴尬的境地。 中小企业信用担保体系的建立有效的缓解了银行信贷配给的问题，为解决企业融资难的问题提供了一个有效的途径。我国的信用担保体系已经发展有一段时间，但是由于起步较晚，现在的信用担保体系还存在着许多问题，探讨中小企业信用体系的建设和完善有着重要的现实意义。 本文基于信贷理论，对中小企业信用担保体系的现状进行了分析，同时阐述其发展中暴露出的一些弊端与问题，且对照与借鉴国外成功信贷模式的建立，对我国中小企业信用担保体系的健全与发展提出构想。 关键词：中小企业；融资；信用担保体系； ABSTRACT SMEs plays an important role in promoting economic development and innovation, proviting employment and maintaining social stability. But due to Chinas policy system and the enterprise limited by itself,difficulty financing already became the reason restricting the small and medium-sized enterprise even the economic development of the important. Our country small and medium-sized enterprise competition is intense, and most of them have low interest rates, endogenous financing can not fully meet the needs of enterprises, so that our country’s small and medium-sized enterprise financing source basically relies on bank credit, because of Chinese hysteretic market development,bank credit more prone to large enterprises, in addition, because of the information asymmetry and other factors of small and medium-sized enterprises,the financing of small and medium-sized enterprises has being in an awkward position. Establishing small and medium enterprise credit guarantee system is effective in mitigation of bank credit rationing issues, which provides an effective way to solve their financing problems. Chinese credit guarantee system has been developed for a long time, but because it starts later, now the credit guarantee system still exist many problems,and discusseing the small and medium-sized enterprise credit system construction and perfect have important practical significance. Based on