内蒙古A融资担保公司风险控制研究

发布时间：2018-03-23 17:39

本文选题：担保　切入点：风险　出处：《内蒙古大学》2013年硕士论文

【摘要】：担保行业是我国在21世纪才不断发展壮大的一个新兴行业,随着我国经济的高速发展,担保行业也得以快速发展。由于担保业务的特殊性,担保行业存在这较高的风险,因此担保业务风险管理成为担保行业稳定发展的关键。目前担保公司已逐步发展成为我国金融界的重要力量,在金融市场逐步完善和发展进程中,它的重要作用越来越明显。担保公司利用其独特的地位肩负着解决我国中小企业筹融资难的作用,同时还在分散和化解银行信贷引发风险方面有着重要作用。作为一个独立的经济组织,其风险预测及控制方案的有效性对组织自身发展来说非常必要,基于此,探索融资担保公司的风险问题,并提出行之有效的风险控制方案,对有效处理当前中小企业融资困难这一难题有着非常重要的意义。论文依据并参考了国内外最新的风险管理理论及方式方法,对融资担保公司出现的风险进行评价,并提出控制措施进行了有效的探索,论文论述了融资担保公司所面对的内外部风险及相关担保项目在操作过程中各环节能够引发的风险因素,同时参照内蒙古地区融资担保公司风险现状、中小企业的发展状况及二者在国民经济发展过程中的重要作用,进一步阐述相适应的风险评价及控制框架,为提升内蒙古融资担保公司的风险评估研究、风险防范体系购进和强化融资担保公司风险预防管理水平提供了有效的参考。论文对国内外信用担保机构在发展过程中所出现的问题进行了深入探讨,总结了上述担保机构对出现问题所采取的相对成熟的解决方案,以此为基础,深入研究了内蒙古XX融资担保公司在风险管理机制构建上存在的薄弱环节,同时运用全面风险管理理论,利用当前在风险管理中先进的分析方法和手段,为内蒙古XX融资担保公司构建了系统全面的风险管理机制,完善了薄弱环节,确立一个保障内蒙古某融资担保公司内部部门间相互协调制约、全程跟踪反馈的全面风险管理框架构建方案,与此同时,设计具体的实施步骤及配套的保障方案。
[Abstract]:The guarantee industry is a new industry which has been developing in the 21st century. With the rapid development of our country's economy, the guarantee industry has also developed rapidly. Because of the particularity of the guarantee business, the guarantee industry has this higher risk. Therefore, the risk management of guarantee business becomes the key to the steady development of the guarantee industry. At present, the guarantee companies have gradually developed into an important force in the financial circles of our country, and in the process of the gradual improvement and development of the financial market, Its important role is becoming more and more obvious. Guarantee companies take advantage of their unique position to shoulder the role of solving the financing difficulties of small and medium-sized enterprises in China. As an independent economic organization, the effectiveness of its risk prediction and control programs is essential for the development of the organization itself. It is of great significance to explore the risk problems of financing guarantee companies and put forward effective risk control schemes to deal with the difficulties of financing in small and medium-sized enterprises. Based on and referring to the latest theories and methods of risk management at home and abroad, the paper evaluates the risks of financing guarantee companies, and puts forward some effective control measures. The paper discusses the internal and external risks faced by the financing guarantee companies and the risk factors that can be caused by each link in the operation process of the related guarantee projects. At the same time, it refers to the risk situation of the financing guarantee companies in Inner Mongolia. The development of small and medium-sized enterprises and their important role in the process of national economic development, further elaborated the appropriate risk assessment and control framework, in order to enhance the risk assessment of financing guarantee companies in Inner Mongolia, Risk prevention system purchase and strengthen financing guarantee company risk prevention management level provides an effective reference. In this paper, the problems in the development of credit guarantee institutions at home and abroad are discussed in depth, and the relatively mature solutions adopted by the above mentioned guarantee institutions are summarized. This paper deeply studies the weak links in the construction of risk management mechanism of XX financing guarantee Company in Inner Mongolia. At the same time, it uses the comprehensive risk management theory and the advanced analysis methods and means in risk management. This paper constructs a systematic and comprehensive risk management mechanism for XX financing guarantee Company in Inner Mongolia, improves the weak link, and establishes a guarantee of coordination and restriction among the internal departments of a financing guarantee company in Inner Mongolia. The overall risk management framework is constructed by tracking the whole process feedback, at the same time, the concrete implementation steps and supporting guarantee scheme are designed.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39;F272.3

【参考文献】