关于JC融资担保公司风险管理战略的分析

发布时间：2021-10-27 08:57

　　鉴于中小企业在国民经济中的地位和作用,其生存和发展问题受到各国普遍关注。由于规模小和信用度低,融资难一直成为制约中小企业发展的重要因素。融资性担保作为一项制度安排,致力于解决中小企业融资难问题,但是,融资性担保行业具有高风险性,必须采取有效的方式方法控制和管理风险。本文在整理国内外文献的基础上,首先,对融资性担保相关理论以及我国融资性担保行业经营模式和特征进行了介绍,分析其风险类型及成因,其次,以JC融资担保公司为案例进行分析,最后,以全面风险管理理论为导向,构建全面风险管理体系基本框架,力图控制和管理融资性担保公司的风险,为其可持续发展保驾护航。通过分析研究发现,经营融资性担保公司风险虽然较高,但是风险并非不可控,通过构建全面风险管理体系可以有效管理和应对风险。构建全面风险管理体系基本框架,包括了对目标、管理过程和配套设施的构建。目标构建由战略、经营、报告和遵循性目标的构建组成;管理过程构建是通过构建由事件识别、风险评估、风险应对和监督组成的管理闭环,对风险进行持续动态地管理;配套设施构建是构建良好的内部环境、控制活动和信息系统,以保证整个体系有效运作。 

【文章来源】：广东外语外贸大学广东省

【文章页数】：78 页

【学位级别】：硕士

【文章目录】：
ACKNOWLEDGEMENTS
ABSTRACT
摘要
LIST OF ABBREVIATIONS
1 Introduction
    1.1 Research Background and Significance
        1.1.1 Research Background
        1.1.2 Research Significance
    1.2 Research Contents and Approaches
        1.2.1 Research Contents
        1.2.2 Research Framework
    1.3 Research Methodology
        1.3.1 Literature Review
        1.3.2 Case Study
2 Literature Review
    2.1 Connotation of Risk Management
    2.2 Connotation and Elements of COSO Overall Risk Management
        2.2.1 Business Goal
        2.2.2 Management Process
        2.2.3 Supporting facilities
    2.3 Review on Literatures both at Home and from Abroad
        2.3.1 Literature Review
        2.3.2 Summary
3 Introduction to Financing Guarantee Industry and Companies
    3.1 A Brief Introduction to Financing Guarantee Companies
        3.1.1 The Business Model of Financing Guarantee Companies
        3.1.2 The Status Quo of Financing Guarantee Industry in China
        3.1.3 The Risk Categories of Financing Guarantee Companies
        3.1.4 The Development of Financing Guarantee Industry in the Future
    3.2 A Brief introduction to JC Financing Guarantee Company
    3.3 The Business Model of JC Financing Guarantee Company
    3.4 Risks of JC Financing Guarantee Company
        3.4.1 Risks of Capital Lending
        3.4.2 Unable to Recognize and Control Risks of Guaranteed Projects
        3.4.3 Summary
4 The Status Quo of JC'S Risk Management and Analysis of Causes to Risks
    4.1 The Status Quo of JC Financing Guarantee Company’s Risk Management
        4.1.1 Principles of Risk Management Strategy
        4.1.2 Organizational Structure and Duty Segregation of Risk Management
        4.1.3 The Organizational Structure of the Company
        4.1.4 Credit Risk Management
        4.1.5 Liquidity Risk Management
        4.1.6 Market Risk Management
        4.1.7 Operational Risk Management
    4.2 Analysis of Causes to Risks of JC Company
        4.2.1 Systematic Risks
        4.2.2 Unsystematic Risk
5 Suggestions on Optimizing the Strategic Risk Management of JC Company
    5.1 Establishment of Goals
    5.2 The Construction of Management Process
    5.3 The Construction of Supporting Facilities
        5.3.1 Internal Environment
        5.3.2 Activity Control
        5.3.3 Information System
    5.4 Risk Recognition of Financing Guarantee Company
        5.4.1 Credit risk Recognition of Financing Guarantee Company
        5.4.2 Recognition of Operational Risks Facing Financing Guarantee Companies
        5.4.3 Recognition of other risks existing in financing guarantee companies
    5.5 Risk Assessment of Financing Guarantee Companies
        5.5.1 Credit risk Assessment of Financing Guarantee Companies
        5.5.2 Assessment of Operational Risks and Other Risks for Financing GuaranteeCompanies
    5.6 Risk Response of Financing Guarantee Companies
        5.6.1 Credit risk Response of Financing Guarantee Companies
        5.6.2 Dealing with Operational Risks and Other Risks in the Financing GuaranteeCompany
6 Concluding Remarks and Limitations
REFERENCE


【参考文献】：
期刊论文
[1]我国融资性担保公司风险分担的法律问题[J]. 牛吉平.  会计之友. 2013(11)
[2]我国融资性担保公司风险防范体系构建的几个问题[J]. 党亚娥.  华北水利水电学院学报(社科版). 2013(02)
[3]融资性担保公司法律制度研究[J]. 杨国顺.  法制与经济(中旬). 2012(04)
[4]基于模糊综合评判的信用担保机构评价体系[J]. 席升阳,赵阳.  中国集体经济. 2009(21)
[5]不对称信息下的中小企业信用担保问题研究[J]. 杨胜刚,胡海波.  金融研究. 2006(01)

硕士论文
[1]银行与融资性担保公司合作风险管理研究[D]. 黄五四.广西大学 2013
[2]融资性担保机构风险分析与评价研究[D]. 梁凤.陕西师范大学 2013
[3]融资性担保公司运营中的风险分析及法律防范[D]. 吴文锟.华东政法大学 2012



本文编号：3461276