泉州市融资担保公司主营业务的风险防控机制研究
发布时间：2018-08-24 17:44
【摘要】：自从新中国实行经济政策改革、对外开放以来，泉州市的劳动人民勇于抓住机遇，充分发挥本土产业优势，艰难困苦地开创事业，使得泉州经济一跃而起。目前，中小微企业为泉州的国民经济做了重大的贡献，俨然成了泉州最大的经济支柱。然而泉州中小微企业普遍存在资产规模小、管理不规范、信息披露不实及信用等级较低等现象，使得商业银行等金融机构顾及资金监管成本高、真实信息获取难等因素而导致“拒贷”、“惜贷”行为的产生。“资金紧缺”再加上“融资难”已为中小微企业的通病，使得中小微企业的发展受到了严重的制约。融资担保公司的介入起到了双方面的作用，一是提高中小微企业信用度，二是为银行承担放贷资金的风险性，从而缓解了“融资难”问题。然而这使得银行无形中将其风险转嫁到了融资担保公司之上。由此，融资担保公司必须建立一套完善的风险防控机制，合理把控风险，降低甚至避免代偿损失。 基于此，本文根据目前融资担保行业的现状及泉州中小微企业的现状指出融资担保公司面临的两大内部风险点与六大外部风险点，并提出目前泉州融资担保公司中小微企业融资担保业务风险防控的不利因素。此外，，本文针对不同的风险点分别运用不对称理论与共生理论表明构建互助式融资担保公司的思路；分析业务转型民间借贷担保业务的必要性及可能性以解决政策风险；提出建立员工奖惩机制及树立企业文化以防控道德风险；通过理论分析与实证分析、定性及定量结合，分别提出规范的业务流程及风险体系的建立，以防控中小微企业带来的外部风险。同时，本文通过案例分析，指出由于融资担保公司的不规范业务操作及中小微企业的经营不善给融资担保公司带来的代偿风险，说明了融资担保公司建立风险防控机制的重要性。
[Abstract]:Since the implementation of economic policy reform and opening to the outside world in New China, the working people of Quanzhou City have been brave to seize the opportunity, give full play to the advantages of local industries, and create a cause with difficulty and hardship, which makes Quanzhou's economy rise at a leap. At present, small and medium enterprises have made great contributions to the national economy of Quanzhou, and have become the largest economic pillar of Quanzhou. However, small and medium-sized enterprises in Quanzhou generally have such phenomena as small scale of assets, irregular management, false disclosure of information and low credit rating, which makes commercial banks and other financial institutions take into account the high cost of capital supervision. It is difficult to obtain real information, which leads to the behavior of "refusing credit" and "refusing credit". The shortage of funds and the difficulty of financing have been the common problems of small and medium-sized enterprises, which make the development of small and medium-sized enterprises seriously restricted. The involvement of financing guarantee companies plays a dual role, one is to improve the credit degree of small and medium-sized enterprises, the other is to undertake the risk of lending funds for banks, thus easing the problem of "financing difficulties". However, this allows banks to imperceptibly shift their risk to financing guarantee companies. Therefore, the financing guarantee company must establish a set of perfect risk prevention and control mechanism, reasonably control the risk, reduce or even avoid the compensatory loss. Based on this, according to the current situation of financing guarantee industry and Quanzhou small and medium enterprises, this paper points out two internal risk points and six external risk points that financing guarantee companies face. And put forward the current Quanzhou financing guarantee company small and medium-sized enterprises financing guarantee business risk prevention and control of adverse factors. In addition, this paper uses asymmetric theory and symbiosis theory to show the idea of constructing mutual financing guarantee company, analyzes the necessity and possibility of private loan guarantee business in order to solve the policy risk. In order to prevent and control moral hazard, it is proposed to establish the mechanism of staff reward and punishment and to set up corporate culture to prevent and control moral hazard, through theoretical analysis and empirical analysis, qualitative and quantitative analysis, the establishment of standardized business process and risk system are put forward respectively. To prevent and control the small and medium-sized enterprises brought about by the external risks. At the same time, through the case study, this paper points out the compensatory risk to the financing guarantee company due to the non-standard operation of the financing guarantee company and the poor management of the small and medium-sized enterprises. This paper illustrates the importance of establishing risk prevention and control mechanism for financing guarantee companies.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39
本文编号：2201563
[Abstract]:Since the implementation of economic policy reform and opening to the outside world in New China, the working people of Quanzhou City have been brave to seize the opportunity, give full play to the advantages of local industries, and create a cause with difficulty and hardship, which makes Quanzhou's economy rise at a leap. At present, small and medium enterprises have made great contributions to the national economy of Quanzhou, and have become the largest economic pillar of Quanzhou. However, small and medium-sized enterprises in Quanzhou generally have such phenomena as small scale of assets, irregular management, false disclosure of information and low credit rating, which makes commercial banks and other financial institutions take into account the high cost of capital supervision. It is difficult to obtain real information, which leads to the behavior of "refusing credit" and "refusing credit". The shortage of funds and the difficulty of financing have been the common problems of small and medium-sized enterprises, which make the development of small and medium-sized enterprises seriously restricted. The involvement of financing guarantee companies plays a dual role, one is to improve the credit degree of small and medium-sized enterprises, the other is to undertake the risk of lending funds for banks, thus easing the problem of "financing difficulties". However, this allows banks to imperceptibly shift their risk to financing guarantee companies. Therefore, the financing guarantee company must establish a set of perfect risk prevention and control mechanism, reasonably control the risk, reduce or even avoid the compensatory loss. Based on this, according to the current situation of financing guarantee industry and Quanzhou small and medium enterprises, this paper points out two internal risk points and six external risk points that financing guarantee companies face. And put forward the current Quanzhou financing guarantee company small and medium-sized enterprises financing guarantee business risk prevention and control of adverse factors. In addition, this paper uses asymmetric theory and symbiosis theory to show the idea of constructing mutual financing guarantee company, analyzes the necessity and possibility of private loan guarantee business in order to solve the policy risk. In order to prevent and control moral hazard, it is proposed to establish the mechanism of staff reward and punishment and to set up corporate culture to prevent and control moral hazard, through theoretical analysis and empirical analysis, qualitative and quantitative analysis, the establishment of standardized business process and risk system are put forward respectively. To prevent and control the small and medium-sized enterprises brought about by the external risks. At the same time, through the case study, this paper points out the compensatory risk to the financing guarantee company due to the non-standard operation of the financing guarantee company and the poor management of the small and medium-sized enterprises. This paper illustrates the importance of establishing risk prevention and control mechanism for financing guarantee companies.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39
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