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摘要随着经济的不断发展，中小企业数量不断地扩大，早已成为国民经济的重要支撑力。然而，融资难问题一直是阻碍中小企业发展的主要因素，其解决方法备受关注，成为国内外研究的热点。我国中小企业缺乏有效的抵押物或信用不足，是造成其融资困境的直接原因，而融资担保可以解决这个问题。其中，建立并完善中小企业信用担保体系就是提高融资担保效率的有效途径。
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本文总结了前人的研究结果，在相关的概念和理论基础上，针对三种类型的担保模式：政策性、互助性和商业性担保模式进行比较研究，分析了它们各自的运作方式及特点，并建立中小企业与担保机构的博弈模型，研究其差异与利弊。在此基础上提出了解决我国中小企业融资难问题的关键是建立以商业性担保为核心的信用担保体系，并给出完善我国信用担保体系的相关建议。28800
关键词 中小企业 信用担保 博弈分析
毕业论文外文摘要
Title Financing modes of small and medium-sized enterprises and game analysis
Abstract
With the continuous development of the economy, the number of SMEs (small and medium-sized enterprises) has been expanded and become an important supporting force of the national economy. However, the problem of financing has been the main obstacle to the development of SMEs, the methods of solving this issue has attracted much attention, which became the focus of research at home and abroad. Lacking enough pledges and credit is the direct cause of financing problem and financing guarantee can solve this problem. To improve the efficiency of financing guarantee, establishing and improving the credit guarantee system of SMEs is one of the most effective solutions.
This paper summarizes the results of previous research, compare three modes of guarantee on the relevant concepts and theoretical basis: policy, mutual and commercial guarantee model. This paper also analyzes the operation and characteristics of each mode and establishes the game models between SMEs and insurance agencies in order to study the differences and advantages and disadvantages. Based on the establishment, the paper proposes that the commercial guarantee is the core of the credit guarantee system, and gives improving suggestions on China's credit guarantee system to solve the financing problem of SMEs in our country.
Keywords SME Financing guarantee Game analysis
目 次
1 绪论 1
1.1 研究背景及意义 1
1.2 文献综述 1
1.2.1 国外研究现状 1
1.2.2 国内研究现状 2
1.3 研究思路 3
2 中小企业融资担保理论基础 3
2.1 相关概念 4
2.1.1 融资担保 4
2.1.2 中小企融资担保计划 4
2.2 理论基础 4
2.2.1 信息不对称理论 4
2.2.2 逆向选择理论 5
2.2.3 道德风险理论 5
3 我国中小企业融资难困境与融资担保体系的现状 6
3.1 中小企业融资难困境及原因 6
3.2 融资担保机构运营现状 6
3.3 中小企业融资担保发展存在的问题 6
4 中小企业融资担保的主要模式 8
4.1 互助性担保模式 8
4.2 政策性担保模式 8
4.3 商业性担保模式 9