CHD融资担保公司担保项目风险管理研究

发布时间：2018-04-20 05:08

  本文选题：融资担保 + 风险评估　； 参考：《电子科技大学》2014年硕士论文

【摘要】：近年来,我国融资担保行业蓬勃发展,相关法律法规不断完善,也涌现出了很多担保项目风险管理理论研究成果,但是融资担保公司实际运营过程中,仍有大量因担保项目风险管理不完善而导致企业损失的事件发生,很多担保项目的决策过程不科学,甚至简单通过拍脑袋来决定。尤其是笔者所在的新疆地区,一方面享受了国家政策扶持带来的经济快速发展,融资担保行业迅速壮大,另一方面也暴露出担保项目风险管理方式不完善的弊端。融资担保行业属于高风险行业,如果在风险管理过程中稍有不慎就可能导致严重的后果,因此控制担保项目风险是各项工作的重中之重。本文在分析国内外关于担保项目风险研究现状的基础上,结合新疆地区融资担保行业发展现状和CHD公司的实际情况,以风险评估和风险控制理论为指导,研究了CHD公司融资担保项目风险管理方法,并进行了实证研究。本文综合运用了文献法、德尔菲法、问卷调查法、两两比较法、层次分析法等研究方法,从财务风险指标、企业基本经营风险、市场风险、外部环境风险、信用风险、其他风险六个角度构建了风险评估体系,为了便于对风险大小进行量化评估,又分别对各个风险提出了评价指标,其中财务风险指标、企业基本经营风险和市场风险的评价指标为5个,外部环境风险、信用风险和其他风险的评价指标为3个,并对各个指标的权重和得分值进行了研究,对于融资担保项目,风险评价得分越高意味着项目风险越大,反之则越小。同时以COSO提出的风险规避、风险降低、风险分散和风险留存四个风险控制策略,结合担保项目担保申请、项目风险评估、合同签订、保后监管的实际工作流程,提出了相应的风险控制策略。本文的研究成果以CHD公司为基础,但是在整个新疆地区都具有很强的代表性,在实际操作过程中,具有很强的实用性和指导性。有利于降低担保公司在实际经营中的风险管理和风险控制。
[Abstract]:In recent years, the financing guarantee industry of our country has developed vigorously, the related laws and regulations have been improved constantly, and a lot of theoretical research achievements have emerged in the risk management of the guarantee project, but in the actual operation process of the financing guarantee company, There are still a large number of business losses caused by imperfect risk management of the guarantee project, many of the guarantee project decision-making process is not scientific, even simply by patting the head to decide. On the one hand, the Xinjiang region, where the author is located, enjoys the rapid economic development brought by the state policy support, and the financing guarantee industry grows rapidly, on the other hand, it also exposes the defects of the imperfect risk management methods of the guarantee project. Financing guarantee industry is a high-risk industry, if the risk management process is a little careless may lead to serious consequences, so controlling the guarantee project risk is the most important work. Based on the analysis of the domestic and foreign research on the risk of the guarantee project, combined with the current situation of financing guarantee industry in Xinjiang and the actual situation of CHD Company, this paper is guided by the theory of risk assessment and risk control. This paper studies the risk management method of financing guarantee project in CHD Company, and makes an empirical study. This paper synthetically uses the methods of literature, Delphi, questionnaire, pairwise comparison, analytic hierarchy process, and so on, from the financial risk index, the enterprise basic management risk, the market risk, the external environment risk, the credit risk, etc. The risk assessment system is constructed from six other risk angles. In order to make quantitative assessment of the risk, the evaluation index of each risk is put forward separately, including the financial risk index, the financial risk index, the financial risk index, the financial risk index and the financial risk index. The evaluation index of basic operating risk and market risk is 5, external environment risk, credit risk and other risk evaluation index is 3, and the weight and score value of each index are studied, for financing guarantee project, The higher the risk evaluation score, the greater the project risk and vice versa. At the same time, with the four risk control strategies proposed by COSO, such as risk avoidance, risk reduction, risk dispersion and risk retention, combined with the actual workflow of guarantee application, project risk assessment, contract signing and post-insurance supervision, The corresponding risk control strategy is put forward. The research results of this paper are based on CHD Company, but they are very representative in the whole Xinjiang area, and have strong practicability and guidance in the actual operation process. It is beneficial to reduce the risk management and risk control of the guarantee company in the actual operation.
【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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本文编号：1776361