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香港留学生作业辅导经典案例:银行与担保机构合作现状与策略浅析

时间:2014-08-09 18:27来源:www.ukassignment.org 作者:yangcheng 点击:
留学作业网提供香港留学生作业经典案例范文。在我国,构建中小企业信用担保机制是解决中小企业融资瓶颈的重要途径,是建设和完善我国金融市场的重要组成部分。我国担保行业和担保机构
摘要

构建中小企业信用担保机制是解决中小企业融资瓶颈的重要途径,是建设和完善我国金融市场的重要组成部分。我国担保行业和担保机构通过十几年的快速发展,不断扩大规模数量和实现拓展业务的多样化,与银行类金融机构在贷款担保方面达成合作,在解决中小企业融资困难的问题上起到很大的积极推动作用。但随着深入发展,合作中存在的问题与风险也逐渐凸显。本文将主要论述银行类金融机构与担保机构合作的目前状况,针对其中存在的缺陷与风险,提出如何深化银行类金融机构与担保机构合作的对策,实现加快健全我国信用担保制度发展,实现合作共赢的新局面。

[Abstract]

to build small and medium-sized enterprise credit guarantee mechanism is the important way to solve the bottleneck in financing smes, is an important part of the construction and improvement of China's financial markets. Our country guarantee industry and the rapid development of guarantee agencies through more than ten years, constantly expanding scale quantity and to realize the diversification of business, and banking financial institutions come to cooperation on loan guarantee, to deal with the problem of small and medium-sized enterprise financing difficult plays a big role in promoting. But with the in-depth development, the problems existing in the cooperation with risk also gradually highlights. This paper will mainly bank financial institutions and guarantee agencies of the situation, in view of the defects and the risk which exist, put forward how to deepen the banking financial institutions to cooperate with guarantee agencies, implement accelerate the development of a sound system of our country's credit guarantee, realize win-win cooperation.
 
[key words] credit guarantee mechanism for bank guarantee agencies for small and medium-sized enterprise financing win-win cooperation
 
I, overview of guarantee agencies
 
Guarantee refers to the economic and financial activities, the creditors in order to guard against the debtor and the risk of default, reduce the capital loss, by the debtor or a third party to provide the performance security or financial or credit to assume corresponding responsibility, a kind of economic behavior in order to ensure the realization of obligee's rights. [1]
 
Credit guarantee is accompanied by the development of commodity economy especially money into being with the development of credit system of intermediary activities. Credit assurance refers to the specialized in credit activities, through agreement with creditors in the form of guarantee for the debtor to provide guarantee, when the warrantee cannot the obligations as agreed in the contract, shall be conducted by the guarantor compensatory, assume the responsibility of the debtor or performance of the industry. It is a kind of credit proof and asset liability together financial intermediary behavior, can be ruled out when the small and medium-sized enterprise financing from financial institutions lack of collateral, supplement the shortage of the small and medium-sized enterprise credit, change the capital supply and demand both sides of the profit flow and residual control configuration, dispersing the risk of financial institutions to small and medium-sized enterprise financing, promote the financing transactions occur, and then optimize the financial structure.
 
Is the main indirect financing on small and medium-sized enterprises in our country at present. In order to effectively solve the small and medium-sized enterprise loans difficult, the financing difficult problem, the government vigorously promote the development of financing guarantee institutions around, to meet the demand of small and medium-sized enterprise loan financing and financial service demand, has formed the policy guarantee agencies, commercial guarantee institutions, mutual guarantee institutions common development pattern. Guarantee agencies properties: the credit guarantee function of high-risk social credit intermediary. Internationally recognized as a social credit intermediary institutions and high-risk industry. Up the social credit intermediary agencies based on their credit and necessary capital management responsibility, and independence, justice, handsome, equal to the identity of a third party to provide credit products and services to the society from all walks of life. Credit guarantee business risk, is the responsibility, this nature determines the guarantee agencies must be able to take responsibility of power and the ability to control risk. Far for responsibility and amount of guarantee agencies and compensation mechanism. The credit guarantee risk identification, prevention and control and resolve of, should not pass on, cannot destroy. Risk identification and control by experience and technology and the risk prevention and resolve depend mainly on system and mechanism; Mainly depends on the control of risk dispersion. [2]
 
Credit guarantee of basic business types have a nonprofit policy guarantee, for-profit commercial guarantee. Policy credit guarantee mainly reflects the government's policy objective and policy guidance, funded by the government or the established, will play a limited government resources reasonable allocation in various areas and to fill the role of the market failure; The business mainly through risk-taking, strengthen credit to business profits, to a certain extent, promote the credit chain smoothly and conducive to the role of credit allocation. Financing guarantee refers to the guarantor and the banking financial institutions and other creditors agreed, when the warrantee nonperformance owes creditors of debt financing, the guarantor shall bear the liability for guaranteeing the agreed in the contract. [3]
 
Guarantee agencies mainly to small and medium-sized enterprise loans from financial institutions to provide professional credit guarantee, at a certain property agreement (or capital) as a basis and guarantee for the payment of the debt guarantee realize creditor's rights of the creditor facilities and means. Its basic function is, by means of credit guarantee for small and medium-sized enterprises and financial institutions set up a bridge between, to credit for small and medium enterprises financing difficulties and poor financial institutions lending to remove trouble back at home.
 
Role of guarantee agencies mainly one is able to help solve the financing difficulties of small and medium-sized enterprise loan difficult problem, create economic benefits for the national economy. Can alleviate the credit guarantee of small and medium-sized enterprise loans difficult, is beneficial to promote small and medium-sized enterprise credit rating and financing ability, improve the financing environment of small and medium-sized enterprises, promoting the healthy development of small and middle-sized enterprises. 2 it is can reduce the risk of bank credit and management costs, reduce the asymmetry of confidence, enhance the confidence of the bank loans to small and medium enterprises, reduce the moral hazard of the small and medium-sized enterprises operator. Three is to help the government's policy support of small and medium-sized enterprises, to expand employment, increase tax in our country, play a positive role, and bring huge economic benefits and social benefits.
 
II, guarantee industry and the present status of guarantee agencies
 
Our country guarantee industry and the rapid development of guarantee agencies through more than ten years, has made great progress, not only on the strength and the number of scale had the very big enhancement, the staff's quality, provide the scope of business, asset quality management has also got certain ascend, in our country, the system plays an important role in the national economy. Guarantee industry is arguably become a vibrant sunrise industry of our country.
 
According to a 2010 held in guangzhou on September the 11th, head of the national small and medium-sized enterprise credit guarantee institutions joint conference, by the end of 2009, the national sme credit guarantee institutions has reached 5547, total registered capital of 338.9 billion yuan; That year for 37 m offered $1.0796 trillion in financing guarantee of small and medium-sized enterprises, accounting for 7.5% of the national small and medium-sized enterprise loan balance; The credit guarantee institutions that year revenue of 18 billion yuan, over taxes 1.64 billion yuan, profit of 4.45 billion yuan. Keep customers in 2009 2009, in the guarantee liability balance 728.9 billion yuan; Cumulative guarantee enterprise 1.12 million households, guarantee amount is 2.5 trillion yuan. Thus, credit guarantee has become an important power and help small and medium-sized enterprise financing channels, to our country credit guarantee agencies provide an important guarantee. Guarantee agencies began to boom in China's financing guarantee way, growing and gradually formed a separate financial related participants. The enormous financial role in promoting financing and guarantee agencies in the field of financial status by the government, society, commercial Banks related to the height of the financial institutions concerned. Relevant Banks and other banking financial institutions and guarantee agencies also gradually began to expand cooperation, continue to deepen and broaden the development field. [4]
 
And the assurance of fujian province since 1998, has experienced more than ten years development course. The present status of the guarantee industry in fujian province can see according to the provincial economic and trade commission related information, an expanding scale of fujian province assurance, vigorous development. At the end of 2003, the province only 58 guarantee agencies, the total registered capital of 1.55 billion yuan, annual guarantee total 3 billion yuan, at the end of the balance of 1.85 billion yuan, total guarantee companies 2592, 4356 for the cumulative frequency of guarantee business. By the end of September 2009, the province's small and medium-sized enterprise credit guarantee agencies already amounted to 184, the registered capital of 12.06 billion yuan, compared with the same period in 2008: in coverage reached 16.4 billion yuan, up by 46%; Year guarantee total 23.04 billion yuan, a 60% increase; In the insurance enterprise 5620, a 40% increase; Guarantee the number 12700, a 25% increase. The province since its establishment has guarantee enterprise guarantee agencies more than 14000 households, accumulative total guarantee pen pen number 45000, the cumulative guarantee amount to 57.3 billion yuan.


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