A融资担保公司信用担保风险研究

发布时间：2018-06-18 12:22

本文选题：融资担保公司 + 信用担保　；参考：《华南理工大学》2012年硕士论文

【摘要】：融资担保公司在中国尚属新生事物，其功能发挥和自身的持续发展，涉及到运作体系结构、管理经验、政策决定、风险分担与防范等一系列问题，其中信用担保风险管理与控制是最为核心的问题。信用担保是国际上公认的高风险行业，信用担保公司是为中小企业提供融资担保的专门机构，且在一定程度上体现出国家政策的扶持性，其高风险特征尤其明显。如果缺乏有效的风险管理措施，融资担保公司就有可能成为信用风险的“集合体”，赔偿损失的“归集地”，导致融资担保公司陷入难以为继的困境。因此，建立专业化的信用风险管理能力，对于担保机构的健康持续发展和功能发挥至关重要。本文对A融资担保公司信用担保风险做了较为深入的研究，力求完善A融资担保机构的信用风险评价及内控机制，为推动我国中小企业融资担保机构风险评价、风险控制体系建设以及风险管理水平提供参考。论文在信用担保风险管理理论基础上，针对中小企业信用担保风险管理的特殊性、重要性，研究了具有针对性的风险管理方法。它不是传统的主观判断方法，而是一种系统工具，综合分析了A融资担保公司信用担保风险的各种影响因素，采用定性与定量相结合的方法，建设和优化A融资担保公司信用担保风险管理机制，分析评价担保项目的风险问题，，并构建了A融资担保公司信用担保风险评价指标体系。
[Abstract]:Financing Guarantee Corporation in China is still a new thing, its function and its own continuous development, involving a series of problems such as the structure of the operation system, management experience, policy decision, risk sharing and prevention, among which credit guarantee risk management and control are the most core issues. Credit guarantee is a highly risk industry recognized internationally, credit guarantee. Guarantee Corporation is a specialized agency for providing financing guarantee for small and medium-sized enterprises, and to a certain extent it embodies the support of national policy. Its high risk characteristics are especially obvious. If lack of effective risk management measures, the financing Guarantee Corporation is likely to become a "aggregate" of credit risk and the "aggregate" of the compensation for the loss. Therefore, the establishment of professional credit risk management ability is of vital importance to the healthy and sustained development and function of the security organization.
This paper makes a more in-depth study on the risk of A financing Guarantee corporation credit guarantee, and strives to improve the credit risk evaluation and internal control mechanism of the A financing guarantee institutions, and provide reference for the risk assessment, the construction of risk control system and the risk management level of the financing guarantee institutions of small and medium-sized enterprises in China.
On the basis of the theory of credit guarantee risk management, aiming at the particularity and importance of the credit guarantee risk management of small and medium-sized enterprises, this paper studies the targeted risk management method. It is not a traditional subjective judgment method, but a systematic tool. It analyzes the various influence factors of the risk of A financing Guarantee corporation credit guarantee. By combining the qualitative and quantitative methods, the risk management mechanism of the A financing Guarantee corporation credit guarantee is constructed and optimized, the risk of the guarantee project is analyzed and evaluated, and the risk evaluation index system of the A financing Guarantee corporation credit guarantee is constructed.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.39

【参考文献】