天恒商贸信用担保体系问题研究--以天恒商贸为例.docVIP

天恒商贸信用担保体系问题研究--以天恒商贸为例 摘要 针对天恒商贸难以融集资金的问题，天恒商贸信用担保体系的发展则能够使较多的问题迎刃而解，进而更有力地促进天恒商贸的发展与进步。本文以浙天恒商贸有限公司作为主要的分析案例，发掘天恒商贸信用担保体系存在主要问题 比如天恒商贸信用管理体系不完善，诚信意识较差，自身实力偏弱，资金来源单一、且资金补偿机制缺乏；⑤协作银行之间缺乏沟通与合作，等等。本文在数据分析的基础上，提出完善天恒商贸信用担保体系的对策，具体如下：建立和完善天恒商贸信用管理体系，大力强化天恒商贸的信用观念，理顺信用担保机构与协作银行之间的关系，提高对信用担保机构发展的扶持力度，建立风险补偿机制和再担保机制，以期望能够通过这些对策的实施促使天恒商贸信用担保体系得到进一步的完善。 关键词：天恒商贸 信用担保 风险补偿 再担保 信用管理 Abstract For small and medium enterprises difficult to financing problems, the development of SME credit guarantee system is able to make more problems more effectively and smoothly done or easily solved, promote the development and progress of small and medium enterprises. In this paper, Zhejiang Heng Trading Company as a case analysis of the main, to explore the SME credit guarantee system, the main problems of credit management; the system of small and medium-sized enterprises is not perfect; the poor sense of integrity; the strength is weak; the single source of funds, and lack of funds compensation mechanism; the lack of communication and cooperation between bank cooperation, and so on. Based on the analysis of the data, put forward countermeasures to improve the SME credit guarantee system, The details are as follows: 1. Establish and improve the credit management system of small and medium-sized enterprises; the strengthening of SME credit concept; the relationship between credit guarantee institution and cooperative bank; improve the development of credit guarantee institutions support; establishing risk compensation mechanism and guarantee mechanism, to expect to be able to through the implementation of the policy to promote the small and medium-sized enterprise credit guarantee system has been further improved. Keywords: SME credit guarantee risk compensation re guarantee credit management  目 录 绪论 1 一、天恒商贸信用担保的相关概念概述 1 （一）信用担保的概念 1 （二）天恒商贸信用担保体系的界定 1 二、 天恒商贸 2 （一） 天恒商贸有限公司贷款信用担保贷款业务现状及存在的问题 2 1.负债规不断增大 2 2.信用担保业务问题突出 2 3.信用担保贷款业务操作风险亟待完善 3 （二）天恒商贸有限公司信用担保体系存在问题的原因 3 1.信用管理体系