黑龍江省中小企業(yè)信用擔保體系建設研究.pdf

1、哈爾濱工業(yè)大學碩士學位論文黑龍江省中小企業(yè)信用擔保體系建設研究姓名：郎樹峰申請學位級別：碩士專業(yè)：工商管理指導教師：惠曉峰20050301哈爾演T業(yè)大學高級下商管理碩士學位論文AbstractAsanimportantpartofthenationaIeconomyintteilongjiangprovince，mediumandsmallbusinessesareplayinganimportantroleinintensifying

2、thecompetition，increasingtheopportunityofemploymentandpromotingthetechnicalinnovationHowever，comparedwithlargestate—ownedenterprises，smallbusinessesandenterprisesaremoredifficultinobtainingcapital，technologyandinformatio

3、n，especiallytheissueofgrantingaloanandthecreditguarantee，whichhasseriouslyimpededthegrowthofsmallbusinessesandenterprises，Asaresult，effectivelyimprovingtheenvironmentofcreditandstrengtheningservicesofcreditguaranteeforsm

4、allbusinessesandenterprisesandsolvingtheissueofcapitalrestrictionisbecomingthekeyissueforthefastandhealthyexpeditionofsmallbusinessandenterprisesThewayinbuildingcreditguaranteesystemformediumandsmallbusinessesindeveloped

5、countriesandregionsisapprovingtobepopularItisthesuccessfulexampleforgovernmentstoregulateeconomiesbymarket—orientedmethodsandmacro—economyregulationandalsotheeffectivewayineconomyregulationfromgovernmentdirectcommandtOpo

6、licy—orientedregulationAtthesametimeitistheimportantmethodforrebuildingtherelationshipbetweenbanksandenterprises，strengtheningthecreditmanagement，reducingthefinancialriskandimprovingthecreditenvironmentforsmallbusinessan

7、denterprisesaswellAlthoughthecreditguaranteesystemformediumandsmallbusinessesinHeilongjiangprovincebuiltbytheleadingfirm，HeilongjiangprovinceXinzhengInvestmentandGuaranteeCompanytogetherwithsomeothercreditguaranteeregion

8、alorganizationshasbeenputintoeffect，therearestillmanyissuessuchasimperfectoperationsystem，insufficientcapitalscaleandinefficientcooperationbetweenbanksandcompanieswhichprovideserviceofcreditguarantee，andSOonThereisstilla

9、hugegapbetweenthecurrentcapabilitytOprovidecreditguaranteeandtherequirement，especiallyinthebackgroundofredevelopingtheoldindustrialbasesandregionaleconomiesThisdissertationwilldiscussthehistoryofcreditguaranteeformediuma