TJYX投资担保公司担保业务风险控制研究

发布时间：2018-01-27 09:57

本文关键词： TJYX担保风险完善　出处：《陕西师范大学》2015年硕士论文　论文类型：学位论文

【摘要】：据不完全统计,大多数开展融资性担保业务三年以上的担保公司都发生了代偿,所以担保公司现在所面临的最关键问题就是如何把融资担保业务的风险减小,使代偿率降低。随着市场的发展需求,同时也为解决中小企业融资难的问题,融资担保公司的出现是必然的,是具有政治意义的。但是为中小型企业的项目担保的风险相对较高,担保公司就难免要陷入很难有效控制和评估中小企业的信贷风险的困境。因此对融资性担保公司的风险控制的研究刻不容缓,只有这样才能不断完善担保公司的风险控制体系,提高规避风险的能力。融资性担保公司的风险与融资担保的规模是成正比关系的。之所以存在高风险,是因为融资担保的客户一般是中小企业,他们的信用等级较低；外部因素给融资担保的发展带来影响；担保公司没有合理健全的制度。风险控制和防范直接决定了融资性担保公司的生存与发展,如何提高这一能力,是本行业公认的难题。本文把理论和实践相结合,根据实际项目的操作流程,对各个阶段的风险防御和控制进行了分析并运用到实际案例中。本文创新之处有以下两点：第一,以前研究对象大多选择的是国家政策性公司,而本文的研究对象是TJYX投资担保有限公司,它并不是国家出资成立的,而是属于民营性质的。民营性的担保公司和国家政策性的担保公司相比抵御风险的能力弱,这就需要在风险把控方面必须更加小心谨慎。第二,本文以TJYX投资担保有限公司的经验教训作为出发点,对真实的案例进行解剖分析,最后又把落脚点放在TJYX投资担保有限公司的风险控制体系上,实现了理论与实践的完美结合。
[Abstract]:According to incomplete statistics, most of the guarantee companies that carry out the financing guarantee business for more than three years have been compensated, so the most critical problem faced by the guarantee companies is how to reduce the risk of the financing guarantee business. With the development of the market demand, but also to solve the financing problem of SMEs, the emergence of financing guarantee companies is inevitable. It is politically significant, but the risk of securing projects for SMEs is relatively high. It is difficult for guarantee companies to effectively control and evaluate the credit risk of small and medium-sized enterprises, so it is urgent to study the risk control of financing guarantee companies. Only in this way can we improve the risk control system of the guarantee company and improve the ability of avoiding the risk. The risk of the financing guarantee company is proportional to the scale of the financing guarantee. Is because the financing guarantee customers are generally small and medium-sized enterprises, their credit rating is lower; External factors influence the development of financing guarantee; The guarantee company does not have a reasonable and sound system. Risk control and prevention directly determine the survival and development of the financing guarantee company, how to improve this ability. This paper combines theory with practice, according to the actual project operation process. This paper analyzes the risk defense and control of each stage and applies it to practical cases. The innovations of this paper are as follows: first, most of the previous research objects are national policy companies. The research object of this paper is TJYX Investment guarantee Co., Ltd., which is not established by the state. The private guarantee company and the national policy guarantee company are weaker than the national policy guarantee company to resist the risk, which need to be more careful in the risk control. Second. This paper takes the experience and lessons of TJYX Investment guarantee Co., Ltd. as the starting point, analyzes the real case, and finally puts its foothold on the risk control system of TJYX Investment guarantee Co., Ltd. The perfect combination of theory and practice is realized.
【学位授予单位】：陕西师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.39

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