融资性担保公司运营中的风险分析及法律防范

发布时间：2018-01-15 00:20

本文关键词：融资性担保公司运营中的风险分析及法律防范　出处：《华东政法大学》2012年硕士论文　论文类型：学位论文

【摘要】：融资性担保公司是以提供融资性担保为主业，解决中小企业融资难问题的机构。然而，融资性担保公司要想更好地服务于中小企业，首先其自身必须具有较强的风险控制和分散的能力，才能在风险丛生的担保行业生存下来。就我国而言，一方面，广大中小企业对融资担保的需求十分迫切。另一方面，融资性担保公司仍处于新生阶段，风险控制能力较弱，相关法律制度不完善。因此，无论是实践需要，还是制度建设，我国都有必要控制和分散融资性担保公司面临的风险。本文从分析融资性担保公司面临的各种风险出发，剖析风险形成的原因，指出我国相关法律制度存在的不足，并在借鉴国外立法经验的基础上提出完善我国融资性担保公司风险控制法律制度的建议。本文主要分为五部分内容：第一章，典型案例及融资性担保公司发展概况。通过“中科智担保”案例介绍与分析，引出融资性担保公司的概念及特点。依据监管部门出台的规范性文件，将我国融资性担保公司的发展划分为三个阶段，即试点探索、政策推进和规范整顿。第二章，融资性担保公司运营中的风险及原因分析。笔者将融资性担保公司面临的风险归纳为信用风险、经营风险、政策风险、经济周期风险以及法律变动风险五个方面，并从融资担保法律关系的四个主体出发，着重分析了上述风险形成的机理，就此提出风险控制分散的必要性。第三章，我国融资担保公司风险控制面临的法律障碍。首先指出我国风险控制的立法现状，肯定其发挥的作用。其次概括了现行法律法规存在的缺陷。最后选取了三部法律进行重点分析，提出我国融资性担保风险控制法律制度主要存在立法滞后、内容过于原则、法律层级较低等障碍。第四章，，融资性担保公司风险控制制度的国际比较。从比较法的角度，参照国外融资性担保公司风险控制法律制度，主要从监管体制、担保金额限额管理、担保业务程序规范化、比例担保、再担保等方面进行详细比较分析，并对其逐一评价，指出国外做法对我国的启示。第五章，完善融资性担保公司风险法律防范的思考。在借鉴国外立法经验的基础上，结合最新出台的部门规章，从监管体制、市场准入、风险分散三个方面，论述了如何完善我国融资性担保公司风险控制与分散的法律制度。
[Abstract]:The financing Guarantee Corporation is to provide financing guarantee industry, to solve the problem of SME financing institutions. However, financing Guarantee Corporation to better serve the small and medium-sized enterprises, the first must possess strong risk control and dispersion ability, the security industry can down at risk clusters in our country to survive. On the one hand, the majority of small and medium-sized enterprises, demand for financing is very urgent. On the other hand, financing Guarantee Corporation is still in a nascent stage, risk control ability is weak, the relevant legal system is not perfect. Therefore, it is need to practice, or the system construction, our country has the necessary risk control and decentralized financing Guarantee Corporation. This article from the risk analysis of financing Guarantee Corporation face, analyzes the causes of risks and shortcomings in China's legal system, and in reference to foreign legislation On the basis of the experience of law, suggestions are put forward to improve the legal system of financial Guarantee corporation risk control in China.
This article is divided into five parts:
The first chapter, the typical cases and financing Guarantee corporation development. Through the introduction and analysis of credit "case, leads to the concept and characteristics of financing Guarantee Corporation. On the basis of the introduction of regulatory normative documents, the development of China's financing Guarantee Corporation is divided into three stages, namely pilot exploration, policy to promote and regulate the rectification.
The second chapter, analysis of causes and risk financing Guarantee Corporation in the operation. The risk of financing Guarantee Corporation into credit risk, operation risk, policy risk, legal risk and the risk of changes in the economic cycle in five aspects, and starting from the four main financing guarantee legal relationship, analyzes the mechanism of the formation of the risk this paper, the necessity of controlling risks.
The third chapter, the legal obstacles of China's financing risk control of Guarantee Corporation face. Firstly it points out the legislative status quo of risk control in China, must play its role. Then summarized the defects of existing laws and regulations. Finally selected the three laws are analyzed, put forward China's investment guarantee risk control legal system of the main existing legislative lag, the content is too principle, legal obstacles level is low.
The fourth chapter, the international comparison of the financing Guarantee corporation risk control system. From the perspective of comparative law, according to the foreign financing Guarantee corporation risk control legal system, mainly from the regulatory system, the amount of the guarantee quota management, guarantee business process standardization, guarantee proportion, and then take a detailed comparative analysis of protection and other aspects, and the evaluation of one by one, points out the Enlightenment of foreign practices on the China.
The fifth chapter on perfecting the legal risk prevention of the financing Guarantee Corporation. On the basis of foreign legislation experience, combined with the introduction of the new regulations, the supervision system, market access, risk diversification three aspects, discusses how to perfect our financing Guarantee corporation risk control and dispersion of the legal system.

【学位授予单位】：华东政法大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：D922.29;D923;F832.39

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