中国银行业市场竞争与绩效关系的实证研究.docVIP

PAGE PAGE 20 中国银行业市场竞争与绩效关系的实证研究 摘要：实践与理论都证明了融资性担保机构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。但是担保机构盈利难,与银行的合作难在近两年来越来越让政府和经济学家头疼.。本文将从融资性担保机构的视角出发，通过对银担合作的现状剖析，担保机构的业绩指标分析，并对18家湖南省担保机构的指标之间的关系进行实证检验，研究担保放大倍数，在保余额，利润等的关系，进而为担保公司提升业绩提供可行的方向；同时，对外国的经验进行借鉴，分析中外差异，提出可作为优化银担合作的方案，最终为我国担保行业提供理论和政策上的指导。本文研究内容均从担保机构角度出发,有所指向,避免太过宽泛的阐述；与现实结合，对各部门具有一定的参考意义。 关键词：担保机构；放大倍数；银担合作；担保业 The development of cooperation between banks and collateral companies from the collateral companies’ perspective 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 cooperation between banks and collateral companies. This essay will have a closer picture of the cooperation from a perspective of guarantee corporations. 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 two important bodies. In the meantime, this paper borrows some elements from foreign companies’ success and compares the differences of China and other developed countries. 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. Keywords: collateral companies; exaggeration index; cooperation between collateral companies and banks; collateral industry 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，就会造成经济的不发展。而这种疲软的经济又会反过来遏制各机构贷款给这些中小企业，因而造成一个恶性循环。每年因融不到资而被迫倒闭的中小企业不知凡几。在各国一个公认的优秀的解决方法是：融资性担保机构和银行之间合作——引入第三方信用机构。在很大程度上，这种银担合作是一