融资担保公司经营风险控制及案例

发布时间：2018-05-30 18:06

本文选题：融资性担保 + 经营风险　；参考：《西南交通大学》2014年硕士论文

【摘要】：尽管商业信用、金融信用随社会的进步逐步发展,中小企业对融资的需求逐渐增加,但中小企业在银行融资境地却依旧尴尬。融资担保机构介入银行和企业之间,这使得银行信贷配给得到缓解,在不丢失信贷业务的情况下银行将大部分风险转嫁给了融资担保公司。目前,就全国的融资性担保公司来看,平均一笔担保业务可以收取的手续费是3%,但一旦出现风险,需要偿付的是至少70%以上的贷款金额,可见,融资性担保公司以经营风险为生。既然是以经营风险为生,风险控制就成为了融资性担保公司的生命线。在担保过程中,缺乏辨别风险的经验、没有有效的风险控制措施、缺失通畅的释放风险渠道等,这些问题都极有可能增加融资担保公司代偿的可能。代偿,意味着功亏一篑,对融资担保公司的打击甚至可以是毁灭性的。那么,怎样正确认识风险、实施风险控制措施从而化解(分散)风险?本文主要通过以四川省X融资担保公司为例,对融资性担保公司在日常经营中存在的各类风险及风险控制措施进行研究,希望以此作为参考建立一个有效的风险防范体系,提高融资担保业务风险控制能力、完善融资担保业务的风险控制机制,从而对融资担保业务的安全开展以及融资性担保行业的可持续发展起一部分较为重要的借鉴、参考作用。论文从国内融资担保现状出发,将理论分析和实际应用相结合,阐述了融资担保公司经营中面所临的内外部风险和风险控制的重点,总结了笔者从事融资担保风险控制工作的经验,得出融资担保公司想要稳健发展必须狠抓风险控制的结论。不仅如此,更希望本文为融资性担保行业顺利发展提出的关键思路能对缓解中小企业融资难、促进我国中小企业群体健康发展起到一定的联动作用。
[Abstract]:Although the commercial credit and financial credit develop gradually with the progress of the society, the demand for financing of the small and medium-sized enterprises increases gradually, but the financing situation of the small and medium-sized enterprises in the bank is still awkward. Financing guarantee institutions intervene between banks and enterprises, which alleviates bank credit rationing and transfers most of the risk to financing guarantee companies without losing credit business. At present, as far as the financing guarantee companies in the country are concerned, the average handling fee that can be charged for a guarantee business is 3%, but once there is a risk, what needs to be repaid is at least 70% of the loan amount. It can be seen that, The financing guarantee company manages the risk to make a living. Since it is operating risk for a living, risk control has become the lifeline of financing guarantee companies. In the process of guarantee, the lack of experience in identifying risks, the absence of effective risk control measures and the lack of unobstructed channels to release risks are all likely to increase the possibility of repayment by financing guarantee companies. Compensation, which means failure, can even be devastating to the financing guarantee company. So, how to correctly understand the risk and implement the risk control measures to resolve (disperse) the risk? In this paper, taking the X financing guarantee company in Sichuan province as an example, the paper studies various risks and risk control measures in the daily operation of the financing guarantee company, hoping to set up an effective risk prevention system based on this as a reference. To improve the risk control ability of financing guarantee business and perfect the risk control mechanism of financing guarantee business, it plays a part of reference and reference to the safe development of financing guarantee business and the sustainable development of financing guarantee industry. Starting from the present situation of domestic financing guarantee, combining the theory analysis with the practical application, the paper expounds the internal and external risks and the key points of risk control of the financing guarantee company. This paper summarizes the author's experience in financing guarantee risk control and concludes that financing guarantee companies must pay close attention to risk control if they want to develop steadily. Moreover, I hope that the key ideas put forward in this paper for the smooth development of financing guarantee industry can alleviate the financing difficulties of small and medium-sized enterprises and promote the healthy development of small and medium-sized enterprises in China.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.39

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