中国融资性担保公司经营状况研究.docVIP

PAGE PAGE 21 中国融资性担保公司经营状况研究 摘要：实践与理论都证明了融资性担保能够帮助中小企业贷款融资，促进中小企业成长，进而促进经济发展。但是近年融资性担保公司经营困难，盈利越来越难。融资性担保公司的经营发展在近两年来越来越让政府和经济学家头疼.。本文将从中国各省融资性担保公司的经营现状出发，宏观地，对如今融资性担保公司面对的经营困难问题进行外部环境分析；微观地，从融资性担保公司经营指标角度阐述分析。宏观微观结合，重点突出：研究既覆盖了全国，又选取湖南省为代表，对湖南省这个省的融资性担保公司经营现状进行了详细地分析。对18家湖南省融资性担保公司的指标之间的关系进行回归分析，研究担保放大倍数，在保余额，利润等的关系，进而为担保公司改善经营状况提供可行的方向；同时，对我国融资性担保公司的经营与发展提出建议，最终为我国担保行业提供理论和政策上的指导。本文研究内容均从中国融资性担保公司真实现状出发,有所指向,避免太过宽泛的阐述；与数据结合，对各部门具有一定的参考意义。 关键词：融资性担保公司；放大倍数； Study on financing guarantee companies’ operation in China Abstract: Both theory and practice has proven that collateral companies can be of great help in small and medium-sized companies’ financing, thus facilitating their development and fuel the economy. However, the government and specialists from various countries are scratching their heads to promote the financing collateral companies. This essay will have a closer picture of the operation of guarantee corporations. From a large perspective, this essay examines the business of guarantee companies in various parts of the nation. Closely looking, some indexes of these guarantee companies are analyzes. By analyzing 18 collateral companies in Hunan province and research the statistics, this dissertation suggests the relation between the exaggeration index and other data, providing some useful information and methods for these important bodies. In the meantime, this paper borrows some elements from referring to the process of analyzing some companies’ success. Also , some suggestions will be put forward to solve the problem over time as well as some guidelines to reform the collateral industry. This dissertation is designed to proceed from a little point to avoid boring telling or long list of facts. With statistics ,it can be more convincing. Keywords: collateral companies; exaggeration index; 一、引言 （一）相关背景 据估计，在中国,创造一个新的就业机会,小企业需要投资8万,而大企业却需要22万。所以大力发展中小企业对就业乃至整个经济发展十分重要。但是中小新兴企业贷款困难极大程度地制约了中小企业的生长发展,也是中国各地区经济发展的“老大难”问题。新兴企业没有足够的资金，没有达到一定评级的信用，没有有效的渠道贷到款，就