摘要:近来年，政府工作报告中一直强调要把投资作为稳定经济增长的关键，急需解决传统的投融资体制。投资融资问题在乡镇企业的发展中尤为突出，原因在于这些乡镇企业在融资时缺少足额的担保抵押物。小额贷款保证保险能为有真实生产资金需求、信用良好、有可靠还款来源的小额贷款借款人，提供信用担保。本文选择江苏省的泰州地区乡镇企业为研究对象，针对绝大多数乡镇企业存在的融资问题，研究小额贷款保证保险在解决乡镇民营企业融资困境的可能性和实际方案。
文章写作分为四大部分，第一部分阐述了泰州地区推广小额贷款保证保险的选题背景;第二部分具体描述了我国小额贷款保证保险的发展现状，泰州地区贷款类保险的现状以及国内推广小额贷款保证保险的典型模式;第三部分是推广小额贷款保证保险的方案设计，具体为方案设计的理念、方案设计的具体内容、方案设计的风险监控;第四部分论述了方案设计的可行性分析及存在问题的应对方案，重点论述的是方案实施中潜在的问题以及针对问题的解决思路。
关键词:小额贷款保证保险 乡镇企业 融资担保 风险监控
AbstractI:n recent years, the government work report has stressed the investment as thekey to steady economic growth, to solve the traditional investment and financingsystem. Investment financing problems, particularly prominent in the development oftownship enterprises, the reason is that the lack of guarantees full of townshipenterprises in financing the mortgaged property. Small loan guarantee insurance forthe actual production needs, good credit, reliable source of repayment borrowers,provide credit guarantee. This article choose in Taizhou region of townshipenterprises in Jiangsu province as the research object, for the vast majority oftownship and village enterprises financing problems, research on small loansguarantee insurance in solving the possibility of private enterprises financingdifficulties and practical solution.
Writing is divided into four parts, the first part expounds the Taizhou region topromote small loan guarantee insurance selected topic background; The second partspecifically describes the current development of China's small loan guaranteeinsurance, the status quo of the loan class insurance in Taizhou and domestic typicalpattern to promote small loan guarantee insurance; The third part is to promote smallloan guarantee insurance scheme design, specific for the scheme design idea, thespecific content of scheme design, the design of risk monitoring; The fourth partdiscusses the feasibility of the scheme design analysis and existing problems of plan,discusses the potential problems in the scheme, and in view of the solution of theproblem.
Key Words: Guarantee insurance; Township enterprises financing; Guarantee;Risk monitoring
目录
1选题背景描述
2泰州地区推广小额贷款保证保险问题分析
2.1我国小额贷款保证保险的发展现状
2.2泰州地区推广小额贷款保证保险的原因
2.2.1企业发展需要解决担保融资问题
2.2.2现有担保融资渠道不能完全解决企业问题
2.2.3小额贷款保证保险解决企业担保融资的优势
2.3泰州地区贷款类保险的现状及发展趋势
2.4国内推广小额贷款保证保险的主要方案借鉴
2.4.1宁波模式一一保险公司成立共保体，分散风险
2.4.2云南模式一一全省推广，保险公司白行中报
2.4.3淮安模式一一政府部门按比例补偿贷款净损失
2.4.4三种模式的综合对比及启示
3推广方案设计
3.1方案设计理念
3.2方案设计的具体内容
3.2.1实施方案的参与方
3.2.2推广的险种
3.3方案设计的风险监控
3.3.1保险公司掌控风险
3.3.2商业银行跟踪贷款
3.3.3政府建立奖罚机制
4方案设计的可行性分析及潜在问题的应对方案
4.1方案设计的可行性分析
4.2实施过程中潜在的问题
4.2.1小企业主对保险的认识不足
4.2.2其他金融机构与保险公司存在竞争
4.2.3银行与保险公司合作时可能出现‘逆选择”
4.3潜在问题的应对方案
4.3.1加大宣传力度，营造良好的推广氛围
4.3.2选择与竞争金融机构合作
4.3.3注重白身的风险控制
参考文献
致谢
