ZBXR融资担保有限公司风险管理研究

发布时间：2018-01-16 18:40

本文关键词：ZBXR融资担保有限公司风险管理研究　出处：《山东理工大学》2015年硕士论文　论文类型：学位论文

【摘要】：中小企业在各国均占有十分重要的经济地位。在我国,中小企业的全年总产值已占到国内生产总值的近三分之二。但融资难一直阻碍着中小企业的发展,随着融资性担保公司的出现,中小企业融资难问题一定程度上得到了缓解。在融资担保过程中,银行将信贷风险转嫁给融资担保公司,融资担保公司本身不具备有效的风险分散机制,致使融资担保成为高风险行业,其风险管理也成为了公认的难题。为有效缓解本地区中小企业的融资难状况,逐步解开普遍存在于企业之间的互保关系,以及构建本地区的信用担保体系,市政府成立ZBXR融资担保公司,注册资本6.8亿元。经过几年的运营,公司逐步形成了适应自身发展的风险管理体系,也经受了一些风险事件的考验。但随着担保业务规模的不断扩大,在保项目的不断增加,ZBXR融资担保公司在风险管理方面存在的问题也逐渐显现。因此,改进和完善当前的风险管理体系是ZBXR融资担保公司长期稳定可持续发展的必然要求。本文在认真了解国内外融资担保和融资担保风险相关研究理论的基础上,对比分析国内外融资担保体系的发展现状,对ZBXR融资担保公司的发展历程、业务状况、内部管理及风险管理现状进行全面分析,找出ZBXR融资担保公司在风险管理方面存在的问题和不足,对其内外部风险进行充分识别,并提出防范和控制内外部风险的措施。希望本文的研究成果能够为ZBXR融资担保公司的长期稳定健康发展有所帮助,并能为其他担保机构所借鉴。
[Abstract]:SMEs occupy a very important economic position in all countries. In our country, the annual output value of SMEs has accounted for nearly 2/3 of GDP. However, the financing difficulties have been hampering the development of SMEs. With the emergence of financing guarantee companies, the financing difficulties of SMEs have been alleviated to a certain extent. In the process of financing guarantee, banks transfer credit risk to financing guarantee companies. The financing guarantee company itself does not have the effective risk dispersal mechanism, causes the financing guarantee to become the high risk industry, its risk management has also become the recognized difficult problem, in order to effectively alleviate the local small and medium-sized enterprises financing difficult situation. Gradually unraveling the mutual insurance relationship between enterprises and constructing the credit guarantee system in this area, the municipal government set up ZBXR financing guarantee company, with registered capital of 680 million yuan. After several years of operation. The company has gradually formed a risk management system adapted to its own development, and has also withstood the test of some risk events. However, with the continuous expansion of the guarantee business, the number of insurance projects is increasing. ZBXR financing guarantee companies in the risk management problems are also gradually emerging. Improving and perfecting the current risk management system is the inevitable requirement for the long-term stable and sustainable development of ZBXR financing guarantee companies. This paper is based on the theory of financing guarantee and financing guarantee risk at home and abroad. Go. Comparative analysis of the domestic and foreign financing guarantee system development status, ZBXR financing guarantee company's development process, business status, internal management and risk management status of a comprehensive analysis. Find out the ZBXR financing guarantee company in the risk management problems and deficiencies, and fully identify its internal and external risks. The paper also puts forward some measures to prevent and control internal and external risks. It is hoped that the research results of this paper will be helpful to the long-term stable and healthy development of ZBXR financing guarantee companies and can be used for reference by other guarantee organizations.
【学位授予单位】：山东理工大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.39;F272.3

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