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The Analysis of Guangdong Provincial Technological Loan’s Risk Compensation

Author: KangJiZuo
Tutor: ZhongYongHong; PengXingGuo
School: South China University of Technology
Course: Financial
Keywords: risk compensation technological loans right to choose financing problem
CLC: F832.46
Type: Master's thesis
Year: 2013
Downloads: 83
Quote: 0
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Abstract


In order to encourage bank lending to the high-tech SMEs, Guangdong Science andTechnology Department uses special fiscal funds to set up the technological loan’s riskcompensation. The technological loan’s risk compensation is to encourage bank lending to thehigh-tech SMEs through giving subsidy to banks so that make the risk sharing mechanismformed. The research in this dissertation will not only to relieve the difficult situation forhigh-tech SMEs to ask for loans, but also to find the problem of the technological loan’s riskcompensation and solve it.The research in this dissertation discusses how to solve the financing problem ofhigh-tech SMEs in Guangdong from the respective of the technological loan’s riskcompensation. Firstly, the chapter2details the technological loan’s risk compensation’soperating process and achieving results, and according to the data from GuangdongProductivity Promotion Center, the research points out that the risk compensation projectexists three problems: the high-tech SMEs without physical products have a low participationin this project; without intellectual property mortgage loans participate in the project; thetechnological loan’s risk compensation project has not a far-reaching influence to SMEs. Thenthe chapter2also points out the root cause of the three problem is the government has astrong risk awareness, and it doesn’t have the right to choose high-tech SMEs independentlyso that the government is afraid it would be cheated by the banks. It’s because the governmenthas no right to choose high-tech SMEs, it just receive the SMEs which are introduced by thebanks without investigations, so the government doubt more, the high-tech SMEs withpotential are refused to participate in the compensation project and the risk compensation’sscale is not very attractive. At the same time, this chapter builds a game model with threepartner which is bases on the cheating to prove that it’s necessary for government to audit theSMEs.Secondly, the chapter3introduces risk compensation in Shandong province, Jiangsuprovince and Shanghai. Then compare them with Guangdong province and make it clear thatthe project should be improved in the approval process.Finally, the chapter4points out the key to solve the problems is how to make the government not worried about being cheated by banks. The most important thing is to getright to choose the high-tech SMEs independently and determine a compensation ratio whichis floating. Then the chapter4also puts forward other measures about how to preventfinancial risks and build a communication mechanism.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit > Technology credit
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