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论文编号：	3878
作者编号：	2120092483
上传时间：	2011/11/30 21:07:40
中文题目：	建设银行天津分行中小企业信用担保模式选择及实施对策
英文题目：	Selection of SME Credit Guaranty Model and Implementation Measures at China Construction Bank, Tianjin Branch
指导老师：	薛有志
中文关键字：	信用担保;中小企业;建设银行天津分行;担保机构
英文关键字：	credit guaranty;small and medium enterprises (SME);China Construction Bank Tianjin Branch;guaranty institution
中文摘要：	在多数国家和地区，中小企业的数量都可达企业总数量的90%以上，如此庞大的群体在任何社会环境下都可能产生较大的社会效益，都是不可忽视的社会群体，尤其在我国这样一个有着13亿人口、地域辽阔且各地发展极不均衡的泱泱大国，中小企业更具独特功能，发挥着大企业无法替代的作用。然而，中小企业由于规模小、实力弱、管理体制差、管理方法落后、自有资本偏少等原因，融资往往非常困难。在中小企业面临的各种困难中，融资难是制约企业发展的“瓶颈”。目前在我国从银行获得信贷资金支持仍为主要融资渠道，但我国没有建立专门针对中小企业的政策性金融机构，商业银行则从信息不对称带来的放贷风险、成本等方面考虑，不愿贷款给中小企业。从而，资金严重短缺就成为中小企业的普遍状况。在上述背景下，各国为了破解中小企业融资难题，采取了种种金融扶持政策，设法帮助中小企业获得资金支持，最为广泛的实践方式为建立中小企业信用担保体系。我国为了鼓励和支持中小企业发展，自20世纪90年代末开始发展中小企业信用担保体系，已初步形成了总体框架为“一体两翼三层”的信用担保体系结构，有利促进了中小企业健康发展。在我国的信用担保体系下，信用担保机构和商业银行起到了至关重要的作用，二者良性发展密切合作才能为中小企业提供有力的支持。本文在上述研究背景下，首先在理论方面系统阐述了信用担保产生的理论基础，进而简要介绍了我国中小企业信用担保体系的建设和发展情况，从而切入本文的主题，以作者所服务的建设银行天津分行为研究主体，对其中小企业信用担保业务的模式选择进行了分析，并指出其中存在的相关问题，剖析了其成因。最后作者从担保机构和银行流程两方面对建设银行天津分行开展中小企业信用担保业务提出实施对策，为建设银行天津分行在该方面的业务拓展提供了一定的借鉴作用。
英文摘要：	In most countries, the number of small and medium enterprises (SME) reaches more than 90% of all the companies. It can’t be ignored that such a large group may have a greater social benefit in any social environments. The unique features of SMEs have played more important roles than large enterprises, especially in China with 1.3 billion population, vast territory and the uneven development across the great country. However, due to small, weak, and poor management system, the old management methods, and lack of money, it is difficult for SMEs to finance itself. Faced with those difficulties, the financing makes the development of SMEs constraining. At present, obtaining credits from banks is still the main financing method in our country. But there is no financing system established in China for small and medium enterprises. And commercial banks are unwilling to lend to SMEs caused by asymmetric information risk, cost and other considerations. Thus, a serious shortage of funds has become the general situation of SMEs. In the above context, in order to solve the financing problems of SMEs, countries take all kinds of financial support policies, trying to help SMEs receive financial support. And one of the most practical way is to establish a wide range of SME credit guarantee system. Since the late 1990s, in order to encourage and support the development of SMEs, China starts to build a system of the credit guarantee system for SMEs, which has formed a general framework called "Two Wings three-tier" structure credit guarantee system, which leads to the healthy development of SMEs. With China's credit guarantee system, the credit guarantee institutions and commercial banks played crucial roles, whose sound and close cooperation can provide strong support for SMEs. With the context of this study, the paper first narrates the theoretical basis of the establishment for the credit guarantee system, and then briefly introduces the construction and development of China's SME credit guarantee system. Based on the Tianjin branch of China Construction Bank where the writer works, the paper analyzes the present situation of the credit guarantee business for SMEs, and points out the problems and reasons for the process. Finally, the author gives some suggestions on the SME credit guarantee business strategies for Construction Bank Tianjin Branch from the aspects of security agencies and banks process, which may have some help for China Construction Bank Tianjin Branch.
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