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Paper代写-Financing guarantee for smes

2018-07-12 | 来源:51due教员组 | 类别:Paper代写范文

下面为大家整理一篇优秀的paper代写范文- Financing guarantee for smes,供大家参考学习,这篇论文讨论了中小企业的融资担保。中小企业的融资担保,指的就是担保机构为中小企业提供信用上的帮助,具体来讲就是融资担保机构为中小企业融资提供支持帮助,为中小企业的贷款承担相应的责任。中小企业融资同时牵涉银行和担保公司,担保公司为企业提供担保服务,对银行提供信用保证,是一种将信誉证明和资产责任保证结合在一起的中介服务行为。

Financing guarantee,融资担保,英国论文代写,论文代写,paper代写

Financing guarantee refers to the signing of a guarantee contract, in which the lender takes the credit of the creditworthy party as the mortgage of the loan to the lender in the guarantee contract. In most cases, the debt financing on the basis of the borrower signed a guaranty contract, the lender to be on the safe side, usually also requires a reputable lender that guarantee, on the other party or financing agreement.

Small and medium-sized enterprise financing guarantee that provide credit guarantee agencies for small and medium enterprises on the help, in particular is financing guarantee institutions to provide support for small and medium-sized enterprise financing, loans for small and medium enterprises to assume corresponding responsibility. Small and medium-sized enterprise financing involving Banks and guarantee companies at the same time, guarantee companies provide guarantee services for enterprises, for Banks to provide credit guarantee, is the credit proof and asset liability assure together in intermediary service behavior.

Many aspects of small and medium-sized enterprises and large enterprises have obvious difference, lack of funds investment, production scale is difficult, management more childish, no unified standard financial system, credit standing is not very good. Many problems existing in the development of these small and medium-sized enterprises have a negative impact on the financing of small and medium-sized enterprises. First of all, on the production and business operation, small and medium-sized enterprise mainly engaged in the industry scale is relatively small, lack of product categories, specifications and production is small, can't innovate actively, make the decline in operating income. And excessive emphasis on in the process of small and medium-sized enterprises in the business interests, contrary to normal way of enterprise management, lead to all aspects of small and medium-sized enterprises competitiveness not obviously, shortage of funds, the small and medium-sized enterprise to repay the loan often procrastinate, reduce the enterprise's solvency. Secondly, on the personnel management, management ideas can't keep pace with The Times, choose the reuse, make the enterprise employees lack the enthusiasm and binding, cause the loss of enterprise staff's quality level, the normal development of the enterprise can't guarantee anything, so a bad impact on small and medium-sized enterprise's solvency, it is to cause trouble to the financing process. Again, in the financial system, the problems of many small and medium-sized enterprise financial management system, the lack of financial transparency, in order to achieve the purpose of its financing borrowing success at the same time, many enterprises are deliberately concealing the real, unfavorable information, often to the various financial institutions providing perfect information, problems intentionally deceiving the behavior of financial institutions. This is very detrimental to the image building of smes themselves, which makes the guarantee agencies have less trust in smes and the financing of smes is more difficult. Finally, in the credit concept, the credit concept of small and medium-sized enterprises is childish, and they cannot repay the loan in time, so that the guarantee institutions should think twice before providing the guarantee for them.

Credit guarantee institution has its own bound, lack of guarantee capital channel, guarantees for small and medium enterprises diversification is very limited, the capacity of the guarantee funds are not particularly abundant, thus the demand for small and medium-sized enterprises guarantee support is not in place in time. However, the main problems of guarantee institutions are operational problems: first, serious violation of regulations. Some undercapitalized guarantee institutions have holes in their registered capital, which is first registered by borrowing money and then withdrawn. Some guarantee institutions deposit idle funds on the company's books in the name of the company's top executives for personal investment and serious misappropriation. This is why guarantee agencies do not have enough funds to guarantee financing for smes. Small and medium-sized enterprises face to reimbursement, if do not have enough capital repayment, guarantee agencies for small and medium-sized enterprises need to repay the loan, because do not have enough money, lead to guarantee agencies are also unable to repay. In addition, some guarantee company, the cover of guarantees to deliberately illegally absorb deposits and issue loans, loan interest rates much higher than the normal lending rates, guarantees for small and medium enterprises in charge high margin, higher profits, increase the financing difficulty of small and medium-sized enterprises. Second, the guarantee agency on internal management, without effective management mechanism, guarantee agencies in some part of the staff quality level is low, in order to seek personal gain to damage the legitimate rights and interests of guarantee agencies. Third, the risk control ability is not strong. Effective risk prediction and assessment of the ability of guarantee agencies are lack, there is little risk resistance ability, guarantee risk, also no longer guarantee system, hinder the smooth progress of small and medium-sized enterprise financing guarantee.

The financing guarantee of small and medium-sized enterprises has not been paid enough attention by the governments at all levels. It is mainly reflected in the following aspects: first, the government provides less help in policy. On the one hand, the government's support for small and medium-sized enterprises has obvious deficiencies. The preferential policies issued by some local governments are more inclined to large and medium-sized enterprises and cannot give preferential policies to smes in terms of financing guarantee and policy guidance. Small and medium-sized enterprises of the most difficult problem is the money shortage, and small and medium-sized enterprises due to system and their own reasons, just want to rely on their own strength to solve it is almost impossible, the government in the face of small and medium-sized enterprises lack of funds, also belong to the insufficient, unable to do for the small and medium-sized enterprises to provide sufficient subsidies is unlikely. Small and medium-sized enterprises lack capital, small and medium-sized enterprises lack the motivation to conduct product innovation, and it is difficult for them to realize further profits. What's more, they charge various so-called "fees" to smes, which not only do not reduce the debt of smes, but also increase the burden, making it more difficult for smes to develop. On the other hand, government support for guarantee agencies is far from enough. Policy, cannot provide sufficient guarantee fund for guarantee agencies, the commercial guarantee, when the management problem of guarantee agencies, also cannot provide sufficient guarantee risk compensation fund to solve the problem. Without the support and guidance to the guaranty industry, it cannot provide favorable conditions for the guaranty industry and create a favorable guarantee environment. Second, there are many gaps in the government's supervision of smes and guarantee institutions. On the one hand, without strict supervision of smes, it is difficult to ensure that smes operate in accordance with the law. On the other hand, lack of supervision of guarantee institutions, it is difficult to ensure the smooth financing guarantee process, which is not conducive to the sustainability of the development of guarantee institutions.

Small and medium-sized enterprises should pay attention to their own development and self-construction, reform the enterprise system, inject innovation vitality, and enhance their competitiveness. Small and medium-sized enterprises should improve their internal management mechanism, improve their operational efficiency and enhance their supervision and management level from all aspects. First of all, on the production and operation, in the process of development growth cannot blindly pursue short-term profit maximization and expand production, can't break it market system and rules, each link of production development cannot be ignored, pay attention to the cooperation and coordination with other enterprises, enhance their strength. Small and medium-sized enterprises should also strengthen the close contact with large enterprises and learn their management model. Secondly, on the personnel management, avoid excessive centralization, play to everyone's director, attaches great importance to the staff's personal career development, strictly select talents, improve the management system, implement a reward system for excellent talents, promote enterprise's talents on various aspects of the quality level. Third, in the financial system, smes should be as transparent as possible, timely release of information to enterprises, so that finance structure can have a deeper understanding of the financial information of enterprises. In financial management, we should pay more attention to each link of cash flow management and timely deal with the fund gap. Small and medium-sized enterprise managers should keep on learning, pay attention to dynamic supervision and management ability, do the authenticity of accounting information disclosure, timeliness, ensure enterprise financial audit specification, standard, unified. To the bank's credit and loan investigation work, we should show the attitude of cooperation and support, and try our best to improve the transparency of the enterprise's operating financial situation. Finally, on the credit construction, small and medium-sized enterprises should improve their credit level, efforts to enhance their legal consciousness, to repay the loan in time, strengthen the construction of its own credit rating, the credit consciousness. We will ensure that production is conducted in accordance with laws and regulations, resist counterfeiting, avoid tax evasion and tax evasion, and truthfully disclose the operation status of enterprises. Good credit presentation is very helpful to solve the financing guarantee problem of smes.

With the aid of guarantee agencies for financing guarantee, for now, is, to solve the problem of financing of small and medium-sized enterprises is more feasible way, so the standardization of the operation of guarantee agencies is very necessary and important. While increasing policy support by the government, guarantee institutions should take the initiative to take legal and compliance measures to absorb the vast amount of idle social funds, so as to strengthen the financial strength of guarantee institutions themselves. Guarantee institutions should constantly adjust their internal management and resolutely implement the principle of good faith. Guarantee agency professionals in credit evaluation work, not just in order to complete the task, and should really objective, increasing the strength of the inspection management, to avoid unreasonable phenomena appeared in the process of small and medium-sized enterprises in the business, safeguard the legitimate rights and interests of guarantee agencies, make the financing guarantee smoothly. Strengthen the ability to resist risks. Establish a risk protection wall system, conduct risk assessment, risk prediction and risk analysis for small and medium-sized enterprises, classify the credit rating of enterprises, and improve their risk resistance ability. For small and medium-sized enterprises with good reputation, the loan amount should be relaxed, the repayment date should be extended, and the loan interest rate should be reduced. If smes have poor reputation and do not offer preferential terms of guarantee, they can refuse to guarantee and issue new loans. Meanwhile, credit construction of smes has been strengthened. All guarantee institutions shall supervise each other, report on the non-standard operation of guarantee institutions, and punish the non-standard operation of guarantee institutions.

The problem of financing difficulty has been playing a hindrance role in the development of small and medium-sized enterprises, and the appearance of financing guarantee has a substantial help to the solution of financing difficulty. After studying the financing problems of small and medium-sized enterprises, this paper puts forward the setbacks of financing guarantee for small and medium-sized enterprises.

From the following several aspects in our country, accelerate the development of small and medium-sized enterprise itself, regulating the behavior of guarantee agencies, strengthen government support, the pace of strengthening the construction of laws and regulations, contribute to the better development of small and medium-sized enterprises tomorrow.

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