完善SYDB公司担保风险管理研究

发布时间：2018-04-22 13:17

本文选题：中小企业 + 担保机构　；参考：《东北大学》2014年硕士论文

【摘要】：担保机构作为联结银行和中小企业之间的桥梁和纽带,通过发挥增信和分险的特殊功能,较好解决了中小企业信用供给缺失或不足的问题,在助推中小企业融资发展中发挥了不可替代的作用,已经成为我国金融体系中不可或缺的重要组成部分。本论文研究的目的,旨在通过对SYDB公司担保风险管理研究,来探寻如何制定一系列可实施的风险管理措施,并以此为SYDB公司未来健康、可持续发展提供一套全方位的新思路。在研究中,笔者主要使用了文献研究法、定性分析法、个案分析法等研究方法。本文从担保风险和风险管理的相关理论的梳理入手,在对SYDB公司深入调研的基础上,重点分析SYDB公司风险管理的现状及存在问题,并制定一系列可实施的风险管理措施。本文主要分为六章,第一章绪论中主要介绍研究背景及意义、国内外研究综述、研究内容与方法；在第二章中重点阐述了担保风险、担保风险管理的相关理论；第三章、第四章是本研究的核心章节,主要研究方法是定性分析法、个案研究法、探索性研究法,通过对SYDB公司现状进行深入的分析、总结,提出SYDB公司在风险分散管理不够全面、风险预警管理时效性不强、风险控制管理制度不够健全、风险化解管理体系未充分发挥等问题；针对以上问题在第五章中创造性地提出了完善SYDB公司风险管理改进措施,即建立多元化的风险分散管理体系、建立具有前瞻性的风险预警管理体系、实施科学完善的风险控制管理措施、采取及时有效的风险化解手段、建立政策性和商业性相结合的风险补偿体系。第六章总结了本文的基本观点,指出了下一步的研究方向。
[Abstract]:As a bridge and link between banks and small and medium-sized enterprises, the guarantee institutions can solve the problem of the lack or shortage of credit supply for small and medium-sized enterprises by giving full play to the special functions of credit enhancement and risk sharing. It has played an irreplaceable role in promoting the financing development of small and medium-sized enterprises and has become an indispensable and important part of our financial system. The purpose of this paper is to explore how to make a series of implementable risk management measures through the research on guarantee risk management of SYDB Company, and to provide a set of new ideas for the healthy and sustainable development of SYDB Company in the future. In the research, the author mainly uses the literature research method, the qualitative analysis method, the case analysis method and so on. This paper starts with the related theories of guarantee risk and risk management, analyzes the current situation and existing problems of risk management in SYDB Company on the basis of in-depth investigation of SYDB Company, and formulates a series of implementable risk management measures. This article is divided into six chapters, the first chapter introduction mainly introduces the research background and significance, domestic and foreign research review, research content and methods; in the second chapter, focuses on the guarantee risk, guarantee risk management related theory; chapter three, The fourth chapter is the core chapter of this study, the main research methods are qualitative analysis, case study, exploratory research, through the in-depth analysis of the current situation of SYDB, summed up, the SYDB company in the risk management is not comprehensive. Risk early warning management is not effective enough, risk control management system is not perfect, risk management system has not been fully brought into play. In the fifth chapter, the author creatively puts forward the measures to improve risk management of SYDB company. That is, to establish a diversified risk decentralized management system, to establish a forward-looking risk warning management system, to implement scientific and perfect risk control and management measures, and to take timely and effective risk resolution measures. Establish a policy and commercial risk compensation system. The sixth chapter summarizes the basic viewpoints of this paper and points out the next research direction.
【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

【参考文献】