| 市场经济前提下，中小企业和年夜型公司一样曾经成为市场弗成或缺的主要构成部门。在我国公司总户数中中小企业占99%，职工人数占70%，资产总额占50%，韩语论文，发卖额占60%，在减缓失业压力、增进经济增加等方面施展侧重要感化。我国当局对中小企业的看重水平也同趋加强，已陆续出台了一系列搀扶中小企业成长的办法。然则今朝我国中小企业融资难的成绩并没有从基本上处理，资金缺少仍然是制约我国中小企业进一步成长的重要成绩。我国中小企业融资的重要渠道照样银行，但因为中小企业市场竞争风险年夜，又缺少有用的资产典质和信誉担保，是以，严重制约了我国贸易银行对中小企业的信贷投放。因为中小企业存款难的重要缘由是中小企业缺少健全的信誉担保系统的支持，是以树立信誉担保系统是赞助公司处理存款难、担保难成绩的有用门路，韩语毕业论文，可以有用下降和疏散金融机构存款风险，保护资金平安，从而确立在市场经济前提下新型优越的银企信誉关系，有益于中小企业稳固耐久的资金投入，进步公司的竞争力和成长潜力。以后全球已有48%的国度和地域树立了中小企业信誉担保系统，而我国的信誉担保依然处于初始阶段。卖力地研究信誉担保系统扶植，对于防备风险、掌握风险、推进信誉担保系统的安康成长并走向成熟是非常主要的。我国信誉担保系统的扶植可以年夜胆自创国外经历，在部门处所中小企业担保基金试点的基本上，研究制订相符中国国情的中小企业信贷担保轨制，组织成立全国性的中小企业信誉担保基金和中小企业信誉担保协会，同一承当对中小企业的融资担保，构建起公道的中小企业融资担保体系体例。 Abstract: Under the premise of the market economy, small and medium enterprises and large enterprises have become the main component of the market into or lack of. In China's total number of enterprises in 99% of small and medium-sized enterprises, the number of workers accounted for 70%, accounted for 50% of total assets, sales accounted for 60%, in the slow unemployment pressure, promote economic growth and display an important role. Chinese authorities to the small and medium-sized enterprise value level also tend to be in the same strengthening, has successively promulgated a series of helped the growth of small and medium enterprises way. But at present our country small and medium-sized enterprise financing difficulty achievement does not have the basic processing, the fund lacks is still the important result which restricts our country small and medium-sized enterprise further growth. The bank still an important channel for the financing of small and medium-sized enterprises of our country, but because of the small and medium-sized enterprise market competition risks and lack of useful assets mortgage and credit guarantee is, seriously restricted the Commercial Bank of our country to the small and medium-sized enterprise credit delivery. Because the SME loan difficult important reason is the small and medium-sized enterprises lack of a sound credit guarantee system of support is in order to establish the system of credit guarantee is sponsored enterprises deposit treatment is difficult, is difficult to assure the achievement of useful opportunities, can be useful to decrease and the evacuation of the deposits of financial institutions risk and protect the peace of funds, so as to establish under the premise of the market economy model superior bank enterprise credit relationship, beneficial to small and medium-sized enterprise solid durable capital investment, enterprises to improve competitiveness and growth potential. After the world has 48% countries and regions have set up a SME credit guarantee system, and our country's credit guarantee is still in the initial stage. Hard to study the credibility of the security system support, on the prevention of risk, risk control, promote credit guarantee system of Ankang growth and maturity is very important. Bile Nianye learn from foreign experience, in Department Premises of the small and medium-sized enterprise guarantee fund pilot basically, researching and formulating conform to China's small and medium enterprises credit guarantee system, the establishment of the organization of national SMEs credit guarantee fund and small and medium enterprises credit guarantee association, with a bear to the small and medium-sized enterprise financing guarantee, build up reasonable SME financing guarantee system construction of credit guarantee system in our country. 目录: 摘要 4-5 ABSTRACT 5 第一章 绪论 7-10 1．1 课题背景及探讨意义 7-8 1．2 探讨视角及探讨措施 8 1．3 探讨内容及结构框架 8-10 第二章 信用担保的基本理论 10-15 2．1 信用担保的概念和形式 10-12 2．1．1 信用担保的概念 10 2．1．2 信用担保的形式 10-11 2．1．3 信用担保的影响 11-12 2．2 中小企业信用担保体系的构成 12-15 2．2．1 信用担保的需求者 12-13 2．2．2 信用担保机构及基金来源 13-14 2．2．3 信用担保的风险防范和监督管理 14-15 第三章 我国中小企业融资近况与信用担保体系 15-25 3．1 我国中小企业的融资近况略论 15-18 3．1．1 我国中小企业的融资困境及成因 15-17 3．1．2 健全担保体系，缓解融资压力 17-18 3．2 我国中小企业信用担保体系的近况略论 18-25 3．2．1 我国中小企业信用担保体系的模式 18-20 3．2．2 构建我国中小企业信用担保体系的必要性和紧迫性 20-21 3．2．3 目前我国中小企业信用担保体系存在的问题和缺陷 21-25 第四章 韩国中小企业融资信用担保体系概况 25-44 4．1 韩国中小企业融资信用担保体系的介绍及其发展 25-26 4．1．1 韩国信用担保体系的介绍 25 4．1．2 韩国信用担保体系的最新发展 25-26 4．2 韩国中小企业融资信用担保体系的运作模式 26-44 4．2．1 韩国信用担保基金 26-33 4．2．2 韩国科技信用担保基金 33-36 4．2．3 借鉴韩国成功经验，发展完善我国信用担保体系 36-44 结束语 44-46 参考文献 46-47 |
