山东省中小企业融资担保困境与体系研究.docVIP

山东省中小企业融资担保困境与体系研究 摘 要：中国的财政担保可以追溯到20世纪90年代，并在过去30年中得到发展。到目前为止，财务担保对所有活动领域都产生了重大影响。一方面，作为市场主要部分的担保金融机构扩大了业务渠道和业务保障领域。详细研究显着改善了市场信息的不对称性。另一方面，商业银行和抵押机构分担风险，在一定程度上可以消除商业银行面临的信用风险。 但是，资金担保对于中国的发展来说并不理想，特别是对中小企业而言。山东省是中国的主要经济区。 2017年的国内生产总值为72.6亿美元。紧随广东省和江苏省之后，美国在225万家中小企业中排名第三，而去年同期为35家。去年推广了10,000户家庭。短短30年间，中国中小企业数量突破100万，未来3年突破100万。这类公司的强劲增长显示出强大的发展动力，但担保的难度阻碍了未来中小企业的发展。山东省具有代表性意义：在本文件中，山东省是研究的主题。其财务担保的主要困境主要是缺乏国家支持，银行金融体系不完善，担保人运作机制不完善，中小企业财务能力有限。 本文件利用其他国家的经验来保证资金，主要采用文献检索方法和系统分析方法结合中国的情况，综合分析了山东省中小企业融资担保原因，建立了制度和措施。和相关的报价。 关键词：中小企业;融资担保;担保困境;担保体系 Abstract Chinas financial guarantees date back to the 1990s and have developed over the past 30 years. To date, financial guarantees have had a major impact on all areas of activity. On the one hand, secured financial institutions, which are a major part of the market, have expanded their business channels and business assurance areas. Detailed studies have significantly improved the asymmetry of market information. On the other hand, commercial banks and mortgage institutions share risks and, to a certain extent, eliminate the credit risks faced by commercial banks. However, capital guarantees are not ideal for Chinas development, especially for SMEs. Shandong Province is Chinas main economic zone. The GDP in 2017 was $7.66 billion. Following the Guangdong Province and Jiangsu Province, the United States ranked third among 2.25 million SMEs, compared with 35 in the same period last year. Last year, 10,000 families were promoted. In just 30 years, the number of Chinese SMEs has exceeded 1 million, and it has exceeded 1 million in the next three years. The strong growth of such companies shows a strong driving force, but the difficulty of guarantees hinders the development of SMEs in the future. Shandong Province is representative: In this document, Shandong Province is the subject of research. The main dilemmas of its financial guarantees are mainly lack of state support, imperfect banking fina