中小企业信用担保风险问题研究

【作者】 刘伟；

【导师】 凌江怀；

【作者基本信息】 华南师范大学 ， 西方经济学， 2004， 硕士

【摘要】 信用担保业是一个专业性很强的高风险行业，担保机构对资金的倍数放大作用同时放大风险。中小企业规模小，抵押品不足、信用等级偏低，这就决定了为中小企业提供信用担保的风险更大。在市场经济的条件下，中小企业信用担保机构的这种高风险必然会限制其在为中小企业融资的过程中作用的发挥。 本文旨在对我国中小企业信用担保风险问题进行探讨。文章运用信息经济学、博弈论等方法从理论上分析了中小企业信用担保风险形成的原因，并针对转轨时期我国中小企业信用担保的现状和特点，分析了在我国特定的历史时期和制度条件下，我国中小企业信用担保风险的成因，从内、外两个方面提出了防范和控制中小企业信用担保风险的建议，并利用模糊数学、专家调查等方法将中小企业信用担保风险进行定量化，旨在为信用担保机构进行信用担保提供一种风险量化的办法。更多还原

【Abstract】 The credit guarantee profession is professional and risky. And moreover, The function of capital magnification of the credit guarantee enterprise adds the risk. SME are small and their credit is low. This lead to the higher risk for the credit guarantee enterprise for SME. Under the condition of the market economy, the high risk of CGE restrict its function for SME’s gathering capital. How to low the CGE’s risk, make full of use its function for SME’s gathering capital is this paper’s essence.This paper is to talk about the risk of CGE in china. The paper comprises four parts besides introduction and concluding remarks. In Chapter 1,we fist introduce the basic function of CGE. We think the credit guarantee is a system which makes use of the resource itself, resolve the unsymmetry of information. On the base of it, we apply information economy and game theory to discuss the clause of the CGE’s credit risk. And point out that during the credit guarantee, the CGE face the normal risk and adverse choice. In chapter two, we concretely discuss the character of SME’ credit guarantee risk in china. And analysis the clause of it .In this chapter, we lay stress on the clause of the risk of credit guarantee, we think the main clause is the high management risk and the low credit level of the SME. In chapter three, we discuss how to control and guard against the credit risk, and put forward the advice on the credit guarantee risk of the SME. In chapter four, we design a model on credit guarantee credit risk, we use vague math and the method of export investigation to make the credit risk quantifiable in order to provide a method for the CGE to control the credit guarantee risk.更多还原