绵阳市中小企业信用担保融资的发展及思考
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摘要
中小企业是推动国民经济发展，构造市场经济主体，促进社会稳定的基础力量。我国政府正在逐渐加大对中小企业的扶持力度，并从战略高度提出今后要把中小企业作为新的经济增长点来培育和扶持。目前我国中小企业的发展取得了可喜的成绩，但同时也面临着不少问题。其中，融资难特别是贷款难，已成为制约中小企业生存与发展的症结。本文从分析我国中小企业融资难的原因着手，探讨了关于建立中小企业信用担保机制以解决融资难的问题。
作为四川省经济综合实力排名第二的城市，绵阳市内中小企业的发展已成为繁荣绵阳市经济，提供就业岗位，拉动经济需求，转化高新技术成果的重要力量。但绵阳市中小企业融资难，担保难却是制约其发展的首要因素。绵阳市虽已建立了中小企业信用担保机构，但中小企业信用担保制度和信用担保体系尚存在诸多不足。
本文对绵阳市中小企业信用担保融资的现状作了详实的实地调研，结合对中小企业信用担保有关理论的探讨以及目前国内外中小企业信用担保的发展情况的介绍，运用实证分析和案例分析法，分析了绵阳市资江电子有限责任公司的担保融资案例，具体解剖了绵阳市天力信贷担保公司的担保运作机制，指出绵阳市中小企业信用担保融资存在的问题，最后提出了完善绵阳市中小企业信用担保体系的对策及建议。并得出了建立和完善中小企业信用担保体系离不开政府引导，财政支持，银企合作的结论。
MSE (small and medium enterprises), as a main component in market economy, act as a basic force in promotion stability of society and economy development of state. China government is gradually enlarge the support for MSE, and declare from strategy point that MSE, as a new rising point of economy, get support from government. Presently, MSE of China has gained a notable achievement, but facing numerous difficulty, among those, financing, especially loan from bank is more difficulty, and have been a bottleneck for the survive and development of MSE. How to handle this problem? The method mostly used in abroad is to establish the credit guarantee finance institution of MSE and credit guarantee system of MSE.
Mianyang, position second in SiChuan province. The development of MSE in Mianyang has played a critical role in prosperous economy, provided working opportunity, pushed demand, transformed high technology achievement. But financing difficulty and guarantee difficulty are foremost factor hindering the development of SME in Mianyang. Though credit guarantee finance institution of MSE in Mianyang has been established, institution existed many sides that need to be improved.
This thesis, through extensive investigation on site for present situation of MSE credit guarantee finance in Mianyang, incorporated relevant theory of MSE credit guarantee with the present development of MSE credit guarantee in domestic and abroad, analysis the guarantee financing case of Mianyang Zijiang Electronic Ltd. Study the guarantee operation of Mianyang Tianli Credit Guarantee Ltd. in detail, point out . the problem existed in MSE credit guarantee institution in Mianyang. At last, the thesis gave the strategy and proposal of how to improving the credit guaranty system in Mianyang.
作为四川省经济综合实力排名第二的城市，绵阳市内中小企业的发展已成为繁荣绵阳市经济，提供就业岗位，拉动经济需求，转化高新技术成果的重要力量。但绵阳市中小企业融资难，担保难却是制约其发展的首要因素。绵阳市虽已建立了中小企业信用担保机构，但中小企业信用担保制度和信用担保体系尚存在诸多不足。
本文对绵阳市中小企业信用担保融资的现状作了详实的实地调研，结合对中小企业信用担保有关理论的探讨以及目前国内外中小企业信用担保的发展情况的介绍，运用实证分析和案例分析法，分析了绵阳市资江电子有限责任公司的担保融资案例，具体解剖了绵阳市天力信贷担保公司的担保运作机制，指出绵阳市中小企业信用担保融资存在的问题，最后提出了完善绵阳市中小企业信用担保体系的对策及建议。并得出了建立和完善中小企业信用担保体系离不开政府引导，财政支持，银企合作的结论。
MSE (small and medium enterprises), as a main component in market economy, act as a basic force in promotion stability of society and economy development of state. China government is gradually enlarge the support for MSE, and declare from strategy point that MSE, as a new rising point of economy, get support from government. Presently, MSE of China has gained a notable achievement, but facing numerous difficulty, among those, financing, especially loan from bank is more difficulty, and have been a bottleneck for the survive and development of MSE. How to handle this problem? The method mostly used in abroad is to establish the credit guarantee finance institution of MSE and credit guarantee system of MSE.
Mianyang, position second in SiChuan province. The development of MSE in Mianyang has played a critical role in prosperous economy, provided working opportunity, pushed demand, transformed high technology achievement. But financing difficulty and guarantee difficulty are foremost factor hindering the development of SME in Mianyang. Though credit guarantee finance institution of MSE in Mianyang has been established, institution existed many sides that need to be improved.
This thesis, through extensive investigation on site for present situation of MSE credit guarantee finance in Mianyang, incorporated relevant theory of MSE credit guarantee with the present development of MSE credit guarantee in domestic and abroad, analysis the guarantee financing case of Mianyang Zijiang Electronic Ltd. Study the guarantee operation of Mianyang Tianli Credit Guarantee Ltd. in detail, point out . the problem existed in MSE credit guarantee institution in Mianyang. At last, the thesis gave the strategy and proposal of how to improving the credit guaranty system in Mianyang.
引文
[23] Iris Cecilia C. Gonzales. Business groups offer to handle SME loans. BusinessWorld. 2003.4
[24] N.A. XINHUA. Shanghai Quickens Pace To Establish Financing Credit Guaranty System. 2000.10
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[32] 吕薇．借鉴有关经验，建立中小企业信用担保体系．金融研究．2000．5
[24] N.A. XINHUA. Shanghai Quickens Pace To Establish Financing Credit Guaranty System. 2000.10
[25] LeCornu, Mark R.; McMahon, Richard G.P. The small enterprise financial objective function. Journal of Small Business Management, 1996. 7
[26] Steuer, Ralph E. Na, Paul. Multiple criteria decision making combined with finance: A categorized bibliographic study. European Journal of Operational Research, 2003. 3
[27] Lipson, Marc L. Market microstructure and corporate finance. Journal of Corporate Finance, 2003, 4
[28] McMahon, Richard G. P.; Stanger, Anthony M. J. Understanding the small enterprise financial objective function. Entrepreneurship: Theory & Practice, 1995. 4
[29] Soonruth Bunyamanee. Thai Small-Enterprise Development Bank Sets High Loan Targets Bangkok Post (Thailand), 2001. 10
[30] China Supports Small Enterprise Development By: N. A. XINHUA, 2000. 11
[31] 顾宇红．有关信用担保的几个问题．经济体制改革．2001．3
[32] 吕薇．借鉴有关经验，建立中小企业信用担保体系．金融研究．2000．5
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