TF集团房产项目担保贷款案例分析

发布时间：2018-01-26 09:53

本文关键词： TF集团担保风险评估风险管控　出处：《电子科技大学》2014年硕士论文　论文类型：学位论文

【摘要】：近年来我国的担保行业发展迅速,担保行业的资金风险也随着民间的借贷危机及金融市场的影响而爆发,从2011以来,担保项目的代偿率呈上升趋势,居高不下。中国对于风险管理的研究开始于1980年,现在为止我国对担保的风险管理仍旧处于起步阶段。担保公司作为高风险企业,风险控制是一个永恒的话题,我们担保从业者必须通过风险识别、风险评估、风险监控等一系列活动来掌控和完善风险管理工作。本论文正是针对上述问题,以TF集团担保贷款的案例为主要的研究对象,TF集团与担保公司有多年的合作关系,集团属于快速发展期,内部管理庞大,涉及行业层次多,资金需求量大,相应的资金风险也较难控制,作为担保公司进行一系列深入分析,并在风险控制管理的基础上,对风险管控进行内、外部因素详尽的讨论和研究。主要内容为:第一.对担保项目的风险管理方法。根据担保公司的工作原理、工作流程、工作经验,对所融资、担保的客户企业进行现场座谈采访、实地调研、收集并核实相关数据进行统计分析后,对资金进行的风险识别、评估及反担保措施的设立,相关风险的跟踪监管。第二,对融资贷款担保的风险的评估、管控。也是本文的重点,主要以TF集团融资担保为例,对TF集团的融资担保项目进行实例分析。由于该客户企业是跨行业运营,而且行业有夕阳行业,也有朝阳行业,多关联公司、跨地区营运的较复杂的集团公司,通过多次的现场调研核实,庞大的财务数据归类分析,对TF集团内部进行了综合客观的评价。结合当期的内、外部环境及金融、财务专业的可循知识规律进行研究评估,找出关键风险问题,采取风险规避措施及一系列的风险控制过程。第三,非经济因素的风险的评估、管控。通过TF集团的实例分析、相关风险控制的经验分享,以及融入政治、道德风险评估的情况,关注了TF集团行业所取得的政府关注支持力度,集团实际控制人的个人信用等进行了全面的风险评估分析。用大量的数据表格进行分析,总结出用非经济因素进行资金风险控制的方法。
[Abstract]:In recent years, the guarantee industry in China has developed rapidly, and the capital risk of the guarantee industry has also erupted with the impact of the private lending crisis and the financial market. Since 2011, the compensatory rate of the guarantee project has been on the rise. The research on risk management in China began in 1980, and the risk management of guarantee in China is still in its infancy. The guarantee company is a high-risk enterprise. Risk control is an eternal topic, we guarantee that practitioners must through risk identification, risk assessment, risk monitoring and other activities to control and improve risk management. Taking the case of TF Group guarantee loan as the main research object, the TF Group and the guarantee company have many years of cooperative relations. The Group belongs to the period of rapid development, the internal management is huge, involving many industry levels. Capital demand is large, the corresponding capital risk is difficult to control, as a guarantee company to carry out a series of in-depth analysis, and on the basis of risk control management, risk control is carried out. The main contents are as follows: first, the risk management method of the guarantee project. According to the working principle, work flow, work experience, financing of the guarantee company. The guaranteed customer enterprises conduct on-site interviews, field research, collect and verify the relevant data for statistical analysis, the risk identification, evaluation and the establishment of counter-guarantee measures. Second, the risk of financing loan guarantee assessment, control. Is also the focus of this paper, mainly take TF Group financing guarantee as an example. Analysis of TF group financing guarantee project. Because the customer enterprise is cross-industry operation, and the industry has sunset industry, but also sunrise industry, multi-affiliated companies. Cross-regional operation of more complex group companies, through a number of on-site investigation and verification, huge financial data classification and analysis, the TF group internal comprehensive and objective evaluation, combined with the current period. External environment and financial, financial professional knowledge can be based on the law of research and assessment, to find out the key risk issues, risk aversion measures and a series of risk control process. Third, non-economic factors of risk assessment. Through the case study of TF Group, the experience sharing of risk control, and the integration of political and moral hazard assessment, we pay attention to the level of government concern and support obtained by TF Group industry. This paper makes a comprehensive risk assessment and analysis on the personal credit of the actual controller of the group and sums up the methods of capital risk control by using a large number of data tables.
【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.39

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