LZ融资担保公司担保业务风险控制研究

发布时间：2018-06-12 05:15

本文选题：中小企业 + 融资担保　；参考：《天津大学》2013年硕士论文

【摘要】：融资担保公司在我国属于一个新兴的行业。进入21世纪以来，随着我国经济，特别是民营高科技企业的发展，我国的融资担保行业也得到了蓬勃发展。由于融资担保业务的高风险性，整个担保行业存在着较高的风险，是典型的“高风险、低收益”的行业，因此担保业务的风险控制就成为影响整个担保行业发展的关键。与发达国家相比，我国的担保行业存在着起步晚、经验少，风险控制能力弱的特点，这无疑制约了我国担保行业的发展。如何使担保公司保证自身稳健发展的前提下更好的服务于中小企业，提高担保公司的风险控制能力成为了全行业亟待解决的问题。这也是本文尝试研究和解决的问题。本人所在的LZ融资担保公司成立于2009年，是一家以高成长性中小微科技企业为主要服务对象的股份制担保公司。高科技中小微企业轻资产的特征给LZ公司的风险控制带来极大的挑战。本文以LZ融资担保公司风险控制为研究对象，结合案例分析指出风险控制的现状，在理论上运用模型分析，找出了其存在的资本风险、评审风险、道德风险、竞争风险等主要的风险及成因。通过分析其风险的成因，提出了完善内部风险管理体系、建立合理的风险分散与转移机制等相应对策，以及实施全面、全过程、全员、全新的风险管理的保障措施。建立以高效的管理与运行机制为基础，以高素质的业务团队为主体，以科学的风险评估为依据，构建稳健、务实、全面与高效的风险控制体系。本文的研究对LZ担保公司在担保业务中有效的风险控制，，以及其它民营担保公司的风险控制具有一定的参考及借鉴意义。
[Abstract]:Financing guarantee company belongs to a new industry in our country. Since the beginning of the 21st century, with the development of our economy, especially the private high-tech enterprises, the financing guarantee industry has also developed vigorously. Because of the high risk of financing guarantee business, the whole guarantee industry has higher risk and is a typical "high risk, low profit" industry, so the risk control of guarantee business becomes the key to affect the development of the whole guarantee industry. Compared with the developed countries, China's guarantee industry has the characteristics of late start, less experience and weak risk control ability, which undoubtedly restricts the development of our country's guarantee industry. How to ensure the guarantee company to better serve the small and medium-sized enterprises under the premise of its steady development and improve the risk control ability of the guarantee company has become a problem to be solved urgently in the whole industry. My LZ financing guarantee company was founded in 2009 and is a joint-stock guarantee company with high growth medium and small technology enterprises as its main service object. The characteristics of light assets in high-tech small and medium-sized enterprises pose a great challenge to risk control of LZ Company. This paper takes the risk control of LZ financing guarantee company as the research object, points out the present situation of risk control in combination with the case analysis, and finds out the existing capital risk, evaluation risk and moral hazard by using the model analysis in theory. Competitive risk and other main risks and causes. Based on the analysis of the causes of risk, this paper puts forward some countermeasures such as perfecting the internal risk management system, establishing a reasonable mechanism of risk dispersion and transfer, and carrying out the comprehensive, whole process, all-staff and brand-new guarantee measures of risk management. On the basis of efficient management and operation mechanism, taking the high quality business team as the main body, taking the scientific risk assessment as the basis, the construction is steady and pragmatic, Comprehensive and efficient risk control system. The research of this paper has certain reference and reference significance to LZ guarantee company in the guarantee business effective risk control and other private guarantee company risk control.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39

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