津房置业担保公司风险管理研究

发布时间：2018-01-01 09:28

本文关键词：津房置业担保公司风险管理研究　出处：《天津大学》2014年硕士论文　论文类型：学位论文

【摘要】：由于我国担保公司行业规模发展迅速，在其高速的发展过程中其风险管理能力水平并没有与之成比例的发展，担保业务出现了高代偿率的风险，担保公司业务存在较大的风险损失，要保证担保业务稳健发展，担保公司就要具备相应的风险管理能力，这是决定担保公司持续发展的根本。研究担保公司风险控制能力，完善公司风险控制体系，是担保公司提高其核心竞争力的关键。本文基于全面风险管理的框架，借鉴了银行业新资本协议的一些风险管理经验，运用现代风险管理技术与方法，对住房置业担保行业的风险管理理论与应用技术进行了创新。不仅如此，本文会立足于行业自身发展，满足公司内部管理需求的同时，更要服务于全行业，在全行业内进行推广。本文首先结合担保风险管理理论，阐述了津房置业担保公司的发展历程并介绍其担保业务的发展情况，，然后通过分析我国目前担保公司经营环境现状和担保公司的风险管理能力，从中逐层分析存在的主要问题，再分析担保公司面临的风险种类与特征，建立担保公司风险监控指标体系和担保公司防范化解风险体系，参考国内外的风险管理理论和方法，完善公司担保风险管理体系，使担保公司具备风险识别、风险防范和控制的能力。
[Abstract]:Because of the rapid development of the industry scale of the guarantee companies in our country, the level of risk management ability has not developed proportionally in the process of its high-speed development, and the guarantee business has the risk of high compensation rate. There is a large risk loss in the business of the guarantee company. To ensure the steady development of the guarantee business, the guarantee company must have the corresponding risk management ability. This is the basis of the sustainable development of the guarantee company, and the key to improve the core competitiveness of the guarantee company is to study the risk control ability of the guarantee company and perfect the risk control system of the company. Based on the framework of comprehensive risk management, this paper uses modern risk management techniques and methods for reference from the experience of risk management in the new capital agreement of the banking industry. This paper innovates the risk management theory and applied technology of the home purchase guarantee industry. Not only that, this paper will be based on the development of the industry itself, to meet the internal management needs of the company, but also to serve the whole industry. Promote in the whole industry. Based on the theory of guarantee risk management, this paper first expounds the development course of Jinfang property guarantee Company and introduces the development of its guarantee business. Then through the analysis of the current situation of our country's guarantee company operating environment and the risk management ability of the guarantee company, the main problems are analyzed layer by layer, and then the types and characteristics of the risk faced by the guarantee company are analyzed. Establish the guarantee company risk monitoring index system and guarantee company guard against and resolve the risk system, refer to the domestic and foreign risk management theory and method, perfect the company guarantee risk management system, so that the guarantee company has the risk identification. Ability to prevent and control risks.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.39;F272.3

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