HN担保公司风险控制研究

发布时间：2018-06-25 18:04

本文选题：风险管理 + 全面风险管理框架　；参考：《中南大学》2013年硕士论文

【摘要】：中小企业在国民经济中处于重要地位,正逐步成为发展社会生产力的主力军。然而中小微企业贷款难,是制约我国中小企业发展的最主要的瓶颈。近年来,由于国际国内经济增幅减缓,在面临着流动性紧张和通货膨胀不断加深的行情下,中小企业普遍面临着资金压力大,盈利能力降低的问题,中小企业融资难题更是得到了社会的广泛企业和银行等金融机构的纽带,中小企业信用担保机构发挥了重要作用。信用担保机构是一种介于银行和担保企业之间的中介机构,做为一个中介服务机构它的目标是将一种资产责任保证和信誉证明相结合,由担保机构提供保证来提高被担保人的信用级别,对于深受融资难问题困扰的中小企业无疑使雪中送炭。然而担保的本质就是风险的防范或将风险分散和转移,担保行业本身就是一个高风险行业。因此,在完善业务流程的基础上,建立一个严谨的全面覆盖的风险管理机制,对于担保公司来至关重要。本文首先介绍了信用担保及信用担保风险管理理论,重点研究了企业全面风险管理理论(ERM-COSO)及其基本框架。接着以HN担保公司作为研究对象,介绍了其公司概况,业务操作流程及现有的风险管理体系,以及风险管理方面存在的问题。通过引进ERM框架设计了新的公司风险管理模式。最后为结论,总结了本文内容并提出希望。本文通过对HN担保公司的风险管理体系的改进设想,能够推动担保行业快速良好可持续发展,从好更好的为中国的中小企业服务。
[Abstract]:Small and medium-sized enterprises are in an important position in the national economy and are gradually becoming the main force in the development of social productive forces. However, the difficulty of lending to small and medium-sized enterprises is the main bottleneck restricting the development of small and medium-sized enterprises in China. In recent years, due to the slowdown in the international and domestic economic growth, in the face of tight liquidity and rising inflation, small and medium-sized enterprises are generally faced with the problems of heavy financial pressure and reduced profitability. The financing problem of small and medium-sized enterprises has been linked by a wide range of enterprises and banks, and the credit guarantee institutions of small and medium-sized enterprises have played an important role. The credit guarantee organization is a kind of intermediary between the bank and the guarantee enterprise. As an intermediary service organization, its goal is to combine a kind of asset-liability guarantee with the creditworthiness proof. The guarantee provided by the guarantee agency to improve the credit rating of the guarantor will undoubtedly help small and medium-sized enterprises beset by difficult financing problems. However, the nature of the guarantee is to guard against or disperse and transfer the risk, and the guarantee industry itself is a high-risk industry. Therefore, on the basis of perfecting business process, establishing a strict and comprehensive risk management mechanism is very important to guarantee company. This paper first introduces the theory of credit guarantee and credit guarantee risk management, and focuses on the study of ERM-COSO and its basic framework. Then taking HN guarantee company as the research object, this paper introduces the company's general situation, business operation process and existing risk management system, as well as the existing problems in risk management. Through the introduction of ERM framework, a new corporate risk management model is designed. Finally, it summarizes the content of this paper and puts forward the hope. By improving the risk management system of HN guarantee Company, this paper can promote the rapid and sustainable development of the guarantee industry, and better serve the small and medium-sized enterprises in China.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39

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