汨罗市中小企业信用担保有限公司风险管理研究

发布时间：2018-03-25 14:49

本文选题：中小企业　切入点：信用担保　出处：《湖南大学》2012年硕士论文

【摘要】：信用担保机构建设是我国信用担保体系建设的重要组成部分。信用担保机构通过对中小企业的增信,进一步扶持中小企业不断发展壮大,在经济和社会发展中发挥了重要的作用。风险管理问题是信用担保机构能否可持续发展的关键,因此,研究风险管理问题将对信用担保机构的发展和信用担保体系的建设起到积极的促进作用。本文通过对汨罗市中小企业信用担保公司风险管理现状的分析,结合国外信用担保机构的有益实践经验,提出了完善该公司风险管理的几点对策以及相应的保障措施。首先,从信用、信有担保和信用担保机构的基本概念入的,介绍了信用担保的经济学理论和风险管理理论。其次,详细介绍了该公司主要的风险分类和风险管理体系,通过分析公司的担保业务流程,找到其风险管理方面存在的问题。最后,结合美、日两国中小企业信用担保机构风险管理的有益经验,提出了完善该公司风险管理的对策,从信用评级体系的完善、在保项目的动态监控、采取灵活的反担保措施和建立健全自我监管机制共四个方面进行了详细的阐述。同时,为顺利实施上述对策方案,从公司内部法人治理结构、风险管理文化和内部激励约束机制三个方面,提出相应的保障措施。通过本文的研究,促进泪罗市中小企业信用担保公司进一步完善内部风险管理体系,也为其他信用担保机构的风险管理提供了参考和借鉴。
[Abstract]:The construction of credit guarantee institutions is an important part of the construction of credit guarantee system in our country. Through increasing credit to small and medium-sized enterprises, credit guarantee institutions further support the development and growth of small and medium-sized enterprises. Plays an important role in economic and social development. Risk management is the key to the sustainable development of credit guarantee institutions. The study of risk management will play an active role in the development of credit guarantee institutions and the construction of credit guarantee system. Based on the analysis of the risk management situation of the credit guarantee company in Miluo City and the beneficial practical experience of the foreign credit guarantee organizations, this paper puts forward some countermeasures and corresponding safeguard measures to perfect the risk management of the company. From the basic concepts of credit, credit guarantee and credit guarantee organization, this paper introduces the economic theory and risk management theory of credit guarantee. Secondly, it introduces the main risk classification and risk management system of the company in detail. By analyzing the guarantee business process of the company, the problems in risk management are found. Finally, combining with the beneficial experiences of the credit guarantee organizations in the United States and Japan, the author puts forward the countermeasures to perfect the risk management of the company. From the aspects of perfecting credit rating system, dynamic monitoring of insurance project, taking flexible anti-guarantee measures and establishing and perfecting self-supervision mechanism, this paper expounds in detail four aspects. At the same time, in order to carry out the above countermeasures smoothly, From three aspects of corporate governance structure, risk management culture and internal incentive and restraint mechanism, the corresponding safeguard measures are put forward. Through the research of this paper, it promotes the credit guarantee company of small and medium-sized enterprises in Yiluo City to further improve the internal risk management system, and also provides a reference for the risk management of other credit guarantee organizations.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F276.3;F272.3;F832.39

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