摘 要
本研究针对中小企业融资担保体系的效率及其改进策略进行了深入探讨。在当前经济环境下，中小企业融资难题日益凸显，担保体系作为解决该问题的关键一环，其效率直接关系到中小企业的融资能力与发展动力。本研究旨在通过实证分析，揭示现有融资担保体系的运行效率，并提出相应的改进策略。研究方法上，我们结合了定量分析与案例研究，通过对多地中小企业融资担保数据的深入挖掘，评估了担保体系对中小企业融资约束的缓解效果。研究结果显示，当前的融资担保体系在提升中小企业融资效率方面发挥了积极作用，但仍存在信息不对称、风险分担机制不健全等问题。基于此，我们提出了创新性的改进策略，包括建立信息共享机制、完善风险分担与补偿机制、优化担保机构内部管理等。这些策略旨在提高担保体系的整体效率，从而更好地服务于中小企业的融资需求。
关键词：中小企业；融资担保体系；效率评估
Abstract
This study discusses the efficiency of SME financing guarantee system and its improvement strategy. In the current economic environment, the financing problems of small and medium-sized enterprises are increasingly prominent. As a key link to solve the problem, the efficiency of its efficiency is directly related to the financing ability and development power of small and medium-sized enterprises. This study aims to reveal the operational efficiency of the existing financing guarantee system through empirical analysis and propose corresponding improvement strategies. In terms of research methods, we combined quantitative analysis and case study, and evaluated the mitigation effect of the guarantee system on the financing constraints of smes through deeply mining the financing guarantee data of smes in many places. The research results show that the current financing guarantee system has played a positive role in improving the financing efficiency of small and medium-sized enterprises, but there are still some problems such as information asymmetry and imperfect risk sharing mechanism. Based on this, we put forward innovative improvement strategies, including the establishment of information sharing mechanism, improving the risk sharing and compensation mechanism, and optimizing the internal management of guarantee institutions. These strategies are designed to improve the overall efficiency of the guarantee system to better serve the financing needs of smes.
Key Words: Small and medium-sized enterprises; financing guarantee system; efficiency evaluation
目 录
第一章 绪 论 1
第二章 中小企业融资担保体系概述 2
2.1 中小企业的融资困境与担保需求 2
2.2 融资担保体系的作用与意义 2
2.3 国内外融资担保体系发展现状 3
第三章 中小企业融资担保体系的效率分析 4
3.1 融资担保体系效率评价指标体系构建 4
3.2 中小企业融资担保体系效率实证 4
3.3 融资担保体系效率影响因素分析 5
3.4 国内外融资担保体系效率比较与启示 5
第四章 中小企业融资担保体系存在的问题与挑战 7
4.1 融资担保体系内部运行机制问题 7
4.2 融资担保体系与外部环境协调性问题 7
4.3 中小企业融资担保体系风险防控难题 8
4.4 新型金融业态对融资担保体系的冲击 8
第五章 中小企业融资担保体系的改进策略 10
5.1 完善融资担保体系内部运行机制 10
5.2 加强融资担保体系与外部环境协调性 10
5.3 提升中小企业融资担保体系风险防控能力 11
5.4 创新中小企业融资担保模式与服务 11
结论 13
致 谢 14
参考文献 15
本研究针对中小企业融资担保体系的效率及其改进策略进行了深入探讨。在当前经济环境下，中小企业融资难题日益凸显，担保体系作为解决该问题的关键一环，其效率直接关系到中小企业的融资能力与发展动力。本研究旨在通过实证分析，揭示现有融资担保体系的运行效率，并提出相应的改进策略。研究方法上，我们结合了定量分析与案例研究，通过对多地中小企业融资担保数据的深入挖掘，评估了担保体系对中小企业融资约束的缓解效果。研究结果显示，当前的融资担保体系在提升中小企业融资效率方面发挥了积极作用，但仍存在信息不对称、风险分担机制不健全等问题。基于此，我们提出了创新性的改进策略，包括建立信息共享机制、完善风险分担与补偿机制、优化担保机构内部管理等。这些策略旨在提高担保体系的整体效率，从而更好地服务于中小企业的融资需求。
关键词：中小企业；融资担保体系；效率评估
Abstract
This study discusses the efficiency of SME financing guarantee system and its improvement strategy. In the current economic environment, the financing problems of small and medium-sized enterprises are increasingly prominent. As a key link to solve the problem, the efficiency of its efficiency is directly related to the financing ability and development power of small and medium-sized enterprises. This study aims to reveal the operational efficiency of the existing financing guarantee system through empirical analysis and propose corresponding improvement strategies. In terms of research methods, we combined quantitative analysis and case study, and evaluated the mitigation effect of the guarantee system on the financing constraints of smes through deeply mining the financing guarantee data of smes in many places. The research results show that the current financing guarantee system has played a positive role in improving the financing efficiency of small and medium-sized enterprises, but there are still some problems such as information asymmetry and imperfect risk sharing mechanism. Based on this, we put forward innovative improvement strategies, including the establishment of information sharing mechanism, improving the risk sharing and compensation mechanism, and optimizing the internal management of guarantee institutions. These strategies are designed to improve the overall efficiency of the guarantee system to better serve the financing needs of smes.
Key Words: Small and medium-sized enterprises; financing guarantee system; efficiency evaluation
目 录
第一章 绪 论 1
第二章 中小企业融资担保体系概述 2
2.1 中小企业的融资困境与担保需求 2
2.2 融资担保体系的作用与意义 2
2.3 国内外融资担保体系发展现状 3
第三章 中小企业融资担保体系的效率分析 4
3.1 融资担保体系效率评价指标体系构建 4
3.2 中小企业融资担保体系效率实证 4
3.3 融资担保体系效率影响因素分析 5
3.4 国内外融资担保体系效率比较与启示 5
第四章 中小企业融资担保体系存在的问题与挑战 7
4.1 融资担保体系内部运行机制问题 7
4.2 融资担保体系与外部环境协调性问题 7
4.3 中小企业融资担保体系风险防控难题 8
4.4 新型金融业态对融资担保体系的冲击 8
第五章 中小企业融资担保体系的改进策略 10
5.1 完善融资担保体系内部运行机制 10
5.2 加强融资担保体系与外部环境协调性 10
5.3 提升中小企业融资担保体系风险防控能力 11
5.4 创新中小企业融资担保模式与服务 11
结论 13
致 谢 14
参考文献 15
