广东天信融资担保公司风险管理研究

发布时间：2018-02-02 09:45

本文关键词： 融资担保公司风险管理风险识别风险控制　出处：《山东大学》2012年硕士论文　论文类型：学位论文

【摘要】：受2008年世界金融危机影响,我国相继出台相关政策扶持中小企业发展,担保业也迎来发展机遇。但是,担保业又是一个高风险的行业,尤其是对于民营担保企业,没有国家金融机构的强大支持,没有丰厚的资金实力,如何做好企业经营和风险控制,是一个极重要又复杂的问题。担保公司要生存,就是要做银行想做而不能做的信用补充。因而,担保公司必须具备比银行更强的风险识别、风险管理、风险控制与风险化解能力,才能稳健生存。担保公司如何防范、规避和控制风险,在激烈的市场竞争中生存并做到可持续性发展,是不能回避而且必须面对的问题,而对于这个问题的思考和回答对担保公司的生存发展具有极其重要的意义。本文以一家为中小企业提供融资担保支持的“广东天信融资担保公司”为主要研究对象,在对国内外相关理论和资料进行采集整理并进行实地调研的基础上,对广东天信的发展历程、业务状况、行业特征及行业竞争环境等进行了全面分析,找出广东天信的内部风险与外部风险,综合运用风险管理理论、风险控制模型等工具,提出了规避、控制内、外风险的措施。其中内部风险防范控制措施包括：建立科学的治理机制和内部风险防控机制；通过业务创新与组合提高公司风险控制管理能力；建立科学的担保风险评价体系；制定科学的尽职调查程序；建立规范的风险补偿机制；建立合理的保后监管制度；造就高素质的项目经理团队和员工团队。外部风险防范控制措施包括：积极争取政府的政策支持以规避风险；市场风险的规避和控制；外部经营道德风险的规避和控制；对反担保资源进行创新组合以规避风险；加强与银行合作以规避风险。
[Abstract]:Under the influence of the world financial crisis in 2008, China has issued related policies to support the development of small and medium-sized enterprises, and the guarantee industry has also ushered in development opportunities. However, the guarantee industry is also a high-risk industry. Especially for private guaranteed enterprises, without the strong support of national financial institutions, there is no rich capital strength, how to do a good job of enterprise management and risk control, is an extremely important and complex problem. In order to survive, the guarantee company must be a credit supplement which the bank wants to do but can not do. Therefore, the guarantee company must have stronger risk identification, risk management, risk control and risk resolution than the bank. How to prevent, avoid and control risks, survive in the fierce market competition and achieve sustainable development, is a problem that can not be avoided and must be faced by the guarantee company. The thinking and answer to this question is of great significance to the survival and development of the guarantee company. This article takes a "Guangdong Tianxin financing guarantee Company" which provides financing guarantee support for small and medium-sized enterprises as the main research object, on the basis of collecting and arranging the relevant theories and materials at home and abroad and carrying on the field investigation. This paper comprehensively analyzes the development course, business status, industry characteristics and competition environment of Guangdong Tianxin, finds out the internal and external risks of Guangdong Tianxin, and comprehensively applies the risk management theory. Risk control model and other tools are put forward to avoid, control the internal and external risk measures, including internal risk prevention and control measures, including: to establish a scientific governance mechanism and internal risk prevention and control mechanism; Improve the ability of risk control and management through business innovation and combination; Establish a scientific guarantee risk evaluation system; Develop scientific due diligence procedures; Establishing a standardized risk compensation mechanism; To establish a reasonable post-guarantee supervision system; To create a high-quality team of project managers and staff. External risk prevention and control measures include: actively seeking government policy support to avoid risk; Avoidance and control of market risk; The circumvention and control of external management moral hazard; Innovative combination of anti-guarantee resources to avoid risks; Strengthen cooperation with banks to avoid risk.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.39

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