河南融資性擔(dān)保行業(yè)可持續(xù)發(fā)展困境探究,可持續(xù)發(fā)展論文

河南融資性擔(dān)保行業(yè)可持續(xù)發(fā)展困境探究,可持續(xù)發(fā)展論文本篇論文目錄導(dǎo)航：【題目】河南融資性擔(dān)保行業(yè)可持續(xù)發(fā)展窘境探究【第一章】【第二章】【第三章】【第四章】【第五章】【結(jié)論/以下為參考文獻】摘要自我們國家施行改革開放政策以來，中小型企業(yè)在國民經(jīng)濟中占據(jù)了重要地位，但是由于其本身等原因?qū)е挛覀儑抑行∑髽I(yè)一直面臨融資難的難題，而融資性擔(dān)保行業(yè)成為了緩解這個難題的一個重要選項。融資擔(dān)?；顒映浞纸档土算y行貸款給中小企業(yè)的風(fēng)險，在信息不對稱的情況下既減少了管理成本，又提高了銀行的工作效率；同時，融資擔(dān)保公司加強了中小企業(yè)的信譽，為他們提供了極大的融資便利以及保證，社會資源得到了優(yōu)化地配置，社會的融資效率也得到了極大的提升。經(jīng)過不斷的探索成長，如今的融資擔(dān)保已經(jīng)成為了一個初具規(guī)模的新興行業(yè)，極大地緩解了河南中小企業(yè)融資難的窘境。但是由于一些原因，幾年之間河南不斷出現(xiàn)融資性擔(dān)保公司破產(chǎn)、公司高層跑路的情況，導(dǎo)致如今整個行業(yè)的社會信譽度極低，行業(yè)難以實現(xiàn)可持續(xù)性發(fā)展。因而，怎樣從根本上幫助我省融資性擔(dān)保行業(yè)解決這些問題，為整個行業(yè)的可持續(xù)發(fā)展開拓出一條道路，實現(xiàn)經(jīng)濟效益與社會效益的有機組合，是融資性擔(dān)保行業(yè)需要關(guān)注的課題。當前國內(nèi)對擔(dān)保行業(yè)的研究大多數(shù)是針對整個中國來分析的，而且多數(shù)分析的是我們國家擔(dān)保行業(yè)的風(fēng)險控制和法律監(jiān)管方面，對于一個地區(qū)的融資性擔(dān)保行業(yè)怎樣可持續(xù)發(fā)展的理論文獻較少，尚沒有關(guān)于河南省融資性擔(dān)保行業(yè)可持續(xù)發(fā)展問題的研究文獻。本文運用文獻歸納演繹法，通過介紹總結(jié)了我省融資性擔(dān)保行業(yè)的發(fā)展現(xiàn)在狀況和問題，并從政策監(jiān)管、銀行、中小企業(yè)和融資性擔(dān)保行業(yè)本身這四個影響融資性擔(dān)保行業(yè)可持續(xù)發(fā)展因素的角度總結(jié)分析了擔(dān)保公司所出現(xiàn)的各種問題的原因，指出我省由于政策法律不完善、銀行與擔(dān)保行業(yè)合作不平等、中小型企業(yè)信譽缺乏以及融資性擔(dān)保公司本身缺乏風(fēng)險控制能力等因素限制了河南省融資性擔(dān)保行業(yè)的可持續(xù)發(fā)展，進而提出嚴管惠稅、促進平等合作、加強信譽體系建設(shè)和專業(yè)化、多元化經(jīng)營融資性擔(dān)保機構(gòu)的對策來解決融資性擔(dān)保行業(yè)發(fā)展的絆腳石，進而實現(xiàn)行業(yè)的可持續(xù)發(fā)展。本文關(guān)鍵詞語：融資性擔(dān)保行業(yè)，風(fēng)險控制體系，可持續(xù)發(fā)展ABSTRACTSincetheimplementationofChinasreformandopeninguppolicy,smallandmediumenterprises〔SMEs〕occupyanimportantpositioninthenationaleconomy,however,SMEsinChinahavebeenfacingfinancingdifficultiesforitsownreasons,andfinancingguaranteeindustryhasbecomeanimportantoptiontoalleviatetheseproblems.FinancingguaranteeactivitiesfullyreducedtheriskofbankloantoSMEs;reducedmanagementcostandincreasedworkingefficiencyunderthecircumstanceofasymmetricinformation.Meanwhile,financingguaranteecompaniesenhancedtheSMEscredit,providingthemwithgreatdealoffinancingconvenienceandinsurance,socialresourcescanbeoptimallyconfiguredandsocialfinancingefficiencygaingreatdevelopment.Aftercontinuousexplorationandgrowth,todaysfinancingguaranteehasbecomeanewindustrywhichisbeginningtotakeshape,greatlyeasedthefinancingdifficultiespredicamentofSMEsinHenanProvince.However,forsomereasons,guaranteecompaniesgoingbankruptandcompanysexecutivesdisappearinghavebeenhappenedcontinuouslyinHenaninrecentyears,whichleadsthewholeindustrytoalowsocialcreditandhardtorealizesustainabledevelopment.Therefore,howtohelpfinancingguaranteeindustryinHenansolvetheproblemsfundamentally,openaroadforthesustainabledevelopmentofthewholeindustrytorealizethecombinationofeconomicandsocialbenefitsisasubjectwhichthefinancingguaranteeindustryneedstofocuson.MostofthedomesticarticlesaboutfinancingguaranteeindustrymainlyaimsatChina,andmainlyfocusontheriskmanagementsystemandlegalsupervision,withlessdiscussionthesustainabledevelopmentofguaranteeindustryofanareaandnoarticlesaboutthesustainabledevelopmentoffinancingguaranteeindustryinHenanprovince.Thispapertakesadvantageofliteratureinductivedeductivemethod,introducingandsummarizingthedevelopingsituationandproblemsofHenanfinancingguaranteeindustry,andanalyzingthereasonsofkindsofproblemsfromtherespectiveoffourinfluencingfactorsonsustainabledevelopmentoffinancingguaranteeindustry,whichincludespolicysupervision,bank,SMEandguaranteeindustry;pointingoutthatbecauseofthedefectioninpolicyandlegalsystem,theunequalcooperationbetweenbanksandguaranteeindustry,thelackofcreditofSMEsandthelackofriskcontrolabilityoffinancingguaranteeorganizationsthatlimitthesustainabledevelopmentoffinancingguaranteeindustryinHenanprovince.Inordertocomeupwithstrictcontrolontaxbenefits,promotionofequalityandcooperation,strengtheningthecreditsystemconstructionandprofessional,diversifiedpoliciesofoperatingfinancingguaranteeorganizationstokickoffthestumblingblocksindevelopmentoffinancingguaranteeindustry,realizingindustrysustainabledevelopment.KEYWORDS:Financingguaranteeindustry,Riskcontrolsystem,Sustainabledevelopment目錄摘要ABSTRACT目錄第一章緒論1.1研究背景及意義1.1.1研究背景1.1.2選題的意義1.2國內(nèi)外研究現(xiàn)在狀況1.2.1國外研究現(xiàn)在狀況1.2.2國內(nèi)研究現(xiàn)在狀況1.3研究思路和主要內(nèi)容1.3.1研究思路1.3.2主要內(nèi)容1.4研究方式方法和創(chuàng)新及缺乏之處1.4.1研究方式方法1.4.2創(chuàng)新及缺乏之處第二章融資性擔(dān)保相關(guān)理論分析2.1融資性擔(dān)?；竞x及作用2.1.1融資性擔(dān)?；竞x2.1.2融資性擔(dān)保與非融資性擔(dān)保的區(qū)別2.1.3融資性擔(dān)保的作用2.2融資性擔(dān)保的主要運行形式2.2.1政策性擔(dān)保形式2.2.2互助性擔(dān)保形式2.2.3商業(yè)性擔(dān)保形式第三章河南省融資性擔(dān)保行業(yè)的發(fā)展現(xiàn)在狀況3.1河南省融資性擔(dān)保行業(yè)的發(fā)展歷程3.1.1我們國家融資性擔(dān)保行業(yè)的發(fā)展歷程3.1.2河南省融資擔(dān)保行業(yè)的發(fā)展歷程3.2河南省融資性擔(dān)保行業(yè)的發(fā)展現(xiàn)在狀況3.2.1融資性擔(dān)保已經(jīng)成為新興行業(yè)，實力不斷加強3.2.2擔(dān)保機構(gòu)主體由政策性擔(dān)保機構(gòu)轉(zhuǎn)向了商業(yè)性擔(dān)保機構(gòu)3.2.3融資性擔(dān)保行業(yè)在支持我省中小型企業(yè)健康發(fā)展方面作用顯著3.2.4行業(yè)問題頻發(fā)，難以實現(xiàn)可持續(xù)發(fā)展第四章河南省融資性擔(dān)保行業(yè)可持續(xù)發(fā)展影響因素分析4.1政策監(jiān)管方面4.1.1政策層面4.1.2監(jiān)管準入層面4.1.3行業(yè)自律層面4.2銀行方面4.2.1銀行體系缺乏為中小型企業(yè)提供貸款的意愿4.2.2合作主體間的信息不對稱性導(dǎo)致信任危機4.2.3銀行業(yè)的所有制歧視加劇了融資擔(dān)保行業(yè)風(fēng)險4.3中小型企業(yè)方面4.4融資性擔(dān)保行業(yè)本身方面4.4.1資金放大倍數(shù)和擔(dān)保費率受限，資金補償機制不完善4.4.2風(fēng)險控制體系不健全，缺乏風(fēng)險分散機制4.4.3專業(yè)人才匱乏，管理制度不健全4.4.4擔(dān)保品種單一，業(yè)務(wù)創(chuàng)新不及時第五章實現(xiàn)河南省融資擔(dān)保行業(yè)可持續(xù)發(fā)展的建議5.1營造良好政策環(huán)境，促進擔(dān)保行業(yè)健康發(fā)展5.1.1增大財政支持力度，加強對融資性擔(dān)保行