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Research on the Profit Model of China Financing Guarantee Institutions

Author: SunYang
Tutor: ZhaoAiLing
School: Dongbei University of Finance
Course: Finance
Keywords: SME credit guarantee agencies profit model sustainable development
CLC: F832.39
Type: Master's thesis
Year: 2013
Downloads: 13
Quote: 0
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Abstract


Small and medium enterprises(SMEs) play an important role in the development of national economy,and China SME guarantee agencies play a positive role in dealing with problems of SME’s loan.Since1999China had made credit guarantee institutions experiments,SME credit guarantee agencies have made a rapid development and has become a new industry in China.But China financing guarantee institutions have faced the problem of "the high risk but the low income".The ablility of sustainable management of SME credit guarantee institutions is questioned.This thesis intends to find out the reasons that the financing guarantee agencies are facing the problem of "the high risk but the low income" through its profit model.The thesis try to put forward some suggestions to maintain the sustainable development of guarantee agencies.Credit guarantee institutions are divided into financing guarantee agencies and non-financing guarantee agencies, financing guarantee agencies mainly manage the financing guarantee business, the main business is the loan guarantee.This thesis mainly researches the financing guarantee agencies. The second chapter summarizes current situation of credit guarantee industry, and points out some problems in the credit guarantee industry. After studying the basic situation of the guarantee industry, the third chapter focuses on the financing guarantee agencies. Combining with the mathematical model, I analysis the current profit of credit guarantee agencies and put forward some problems the guarantee agencies are facing,including difficulty to raise capital,low level of guarantee magnification,low rate of guarantee service charge and so on.To solve the problems of the current profit model of the guarantee agencies, the fourth chapter put forward the improvement of the external environment, improve the regulations related to guarantee,improve the construction of guarantee agencies, promote equal cooperation of Banks and guarantee agencies and improve the small and medium-sized enterprise credit system construction. As for the guarantee agencies,they should focus on financing guarantee business, strengthen and expand its main business, make guarantee business more diversified, widen the channel of the capital complement, improve risk management system.Besides,powerful guarantee agencies can build a guarantee alliance and operate across regions.In order to break through the previous qualitative study on the profit model of financing guarantee institutions,the thesis establish mathematical models to research the effect factors of financing guarantee agencies’ profit.The thesis use formula to link these factors,it clearly show how the financing agencies profit.But the model can not consider all factors and it is difficult to use indicators to represent every factors. And it can have a negative impact on the thesis and need to be father studies.The research on the profit model of financing guarantee agencies has major significance for its sustainable development.The thesis analyze the factors of influencing profit of financing guarantee agencies and give some solutions.On one hand,the thesis hope to attract attention and discussion towards guarantee agencies,on the other hand,the thesis also provide some useful suggestions.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks > Other financial organizations
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