重庆两江新区融资担保公司的风险管理研究

发布时间：2019-03-08 12:39

【摘要】：中小企业是国民经济的重要组成部分,在推动经济增长、扩大社会就业、促进技术创新、提供协作服务等方面发挥着重要作用。但由于中小企业的特殊信贷风险,融资困难一直是困扰中小企业进一步发展的“瓶颈”,信用担保则是当前解决我国中小企业融资问题的一个现实选择,而中小企业的信用担保是一个高风险低收益的行业,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。本文以一家为中小企业提供融资担保支持的“重庆两江新区融资担保公司”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,对重庆两江新区融资担保公司的发展历程、业务状况、行业特征及行业竞争环境等进行了全面分析,找出重庆两江新区融资担保公司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]:As an important part of the national economy, small and medium-sized enterprises (SMEs) play an important role in promoting economic growth, expanding social employment, promoting technological innovation and providing collaborative services. However, due to the special credit risk of small and medium-sized enterprises, financing difficulties have always been the "bottleneck" to the further development of small and medium-sized enterprises, and credit guarantee is a realistic choice to solve the financing problems of small and medium-sized enterprises in China at present. Credit guarantee of small and medium-sized enterprises is a high-risk and low-yield industry, how to do a good job of business operation and risk control, is a very important and complex problem. This paper takes "Chongqing Liangjiang New area 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 sorting out the relevant theories and materials at home and abroad and carrying on the field investigation. This paper makes a comprehensive analysis of the development process, business status, industry characteristics and industry competition environment of Chongqing Liangjiang New area financing guarantee Company, and finds out the internal and external risks of Chongqing Liangjiang New District financing guarantee Company. Comprehensive use of risk management theory, risk control model and other tools, put forward measures to avoid and control internal and external risks. The internal risk prevention and control measures include: establishing a scientific governance mechanism and internal risk prevention and control mechanism; improving the ability of risk control management through business innovation and combination; establishing a scientific security risk evaluation system; Establish a scientific due diligence procedure; establish a standardized risk compensation mechanism; establish a reasonable post-insurance supervision system; create a high-quality team of project managers and staff. The external risk prevention and control measures include: actively seeking government policy support to avoid risk; market risk avoidance and control; external business moral hazard avoidance and control; innovation combination of anti-guarantee resources to avoid risk; Strengthen cooperation with banks to avoid risk.
【学位授予单位】：重庆大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.39

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