河北省中小企业信用担保服务中心发展战略研究

发布时间：2018-02-21 10:35

本文关键词： 河北省中小企业信用担保融资　出处：《河北工业大学》2013年博士论文　论文类型：学位论文

【摘要】：如今，中小企业发展已经成为国家整体经济发展的重中之重，对于解决就业、增加税收、保持经济快速增长起着越来越重要的作用。然而，在全球经济的发展过程中，中小企业融资一直是一个难题，是限制中小企业发展的关键性问题。提供融资便利成为各个国家支持中小企业发展共同选择的政策导向，，近些年融资担保成为各国解决该难题普遍采用的金融支持模式，国内外大量成功实践表明，构建中小企业融资担保机制是解决融资瓶颈的重要途径。河北省紧邻全国经济和政治重地——京津地区，这独特的地理位置使其发展环境与众不同，因此中小企业融资环境也与东南沿海及中西部地区差异较大，这会产生很大的影响。而且，中小企业在河北省的全省经济中占的比重很大，几乎涉及全部产业领域，也造就了一批优势的产业集群，但是融资问题阻碍了中小企业发展。因此只有加快发展中小企业融资担保体系，才能进一步加快中小企业的发展，使其渡过发展的瓶颈，也就能有效提高河北省的经济实力。本文首先对国际典型中小企业融资担保体系的发展经验进行了对比，并将其对我国的启示与借鉴意义进行了总结；其次通过对国内中小企业融资与信用担保业发展现状以及特点的分析，尤其是对河北省中小企业融资现状与信用担保机构发展的调查分析，总结出了省内中小企业融资与信用担保存在的主要问题；第三，对河北省中小企业信用担保服务中心的发展背景与运营概况做了介绍；第四，针对省内中小企业融资现状与信用担保机构存在的问题和面对的风险，对中小企业信用担保机构提出了风险综合管理战略；第五，针对性的构建了中小企业信用评价指标体系；第六，为信用担保机构分析了体制创新与学习的重要性并提出建议；最后，为今后中小企业信用担保机构的健康发展提出保障性战略与建设性意见。因此，深入剖析我国中小企业信用担保组织运行现状及一般规律，在总结、借鉴国外中小企业信用担保组织体系构建及其运行成功经验的基础上，针对性的就我省中小企业融资担保问题进行深入、系统的研究，科学构建我省中小企业信用担保体系与制度框架，并为我省中小企业信用担保机构的未来的发展战略提供可供借鉴的指导和建议，对于推动我省经济发展，进一步加快中小企业的发展，提高我省的经济实力，有着十分重要的理论价值和现实意义。
[Abstract]:Nowadays, the development of small and medium-sized enterprises has become the most important part of the overall economic development of the country, which plays an increasingly important role in solving employment, increasing tax revenue and maintaining rapid economic growth. However, in the course of the development of the global economy, Financing for small and medium-sized enterprises has been a difficult problem and a key issue that limits the development of small and medium-sized enterprises. Providing financing facilities has become the policy direction of the common choice of countries to support the development of small and medium-sized enterprises. In recent years, financing guarantee has become a common financial support model to solve this problem. A large number of successful practices at home and abroad show that the construction of financing guarantee mechanism for SMEs is an important way to solve the financing bottleneck. Hebei Province is close to the Beijing-Tianjin region, which is the most important economic and political region of the country. This unique geographical location makes its development environment different. Therefore, the financing environment for small and medium-sized enterprises is also quite different from that of the southeast coastal areas and the central and western regions. This will have a great impact. Moreover, small and medium-sized enterprises account for a large proportion of the provincial economy in Hebei Province, involving almost all industrial fields, and also creating a number of advantageous industrial clusters. However, the problem of financing hinders the development of small and medium-sized enterprises, so only by speeding up the development of financing guarantee system of small and medium-sized enterprises, can we further speed up the development of small and medium-sized enterprises, make them through the bottleneck of development, and effectively improve the economic strength of Hebei Province. Firstly, this paper compares the development experience of international SME financing guarantee system, and summarizes its enlightenment and reference significance to our country. Secondly, through the analysis of the current situation and characteristics of domestic SME financing and credit guarantee industry, especially the investigation and analysis of the financing status of SMEs and the development of credit guarantee institutions in Hebei Province. Summarized the main problems of SMEs financing and credit guarantee in the province; third, introduced the development background and operation of Hebei SME credit guarantee service center; 4th, In view of the current situation of SMEs financing and the problems and risks faced by the credit guarantee institutions in the province, this paper puts forward a comprehensive risk management strategy for SMEs credit guarantee institutions. 5th, it constructs the credit evaluation index system of SMEs. In 6th, the author analyzes the importance of system innovation and learning for credit guarantee institutions and puts forward suggestions for the healthy development of credit guarantee institutions of small and medium-sized enterprises in the future. Therefore, on the basis of analyzing the current situation and general law of the credit guarantee organization of small and medium-sized enterprises in our country, and drawing lessons from the successful experience of the construction and operation of the credit guarantee organization system of the small and medium-sized enterprises in foreign countries, This paper makes a thorough and systematic study on the financing guarantee of small and medium-sized enterprises in our province, and scientifically constructs the credit guarantee system and system framework of small and medium-sized enterprises in our province. It also provides guidance and suggestions for the future development strategy of the credit guarantee institutions of small and medium-sized enterprises in our province, which can promote the economic development of our province, further accelerate the development of small and medium-sized enterprises, and improve the economic strength of our province. It has very important theoretical value and practical significance.
【学位授予单位】：河北工业大学
【学位级别】：博士
【学位授予年份】：2013
【分类号】：F276.3;F832.4

【参考文献】