A融资性担保公司风险管理研究

发布时间：2018-06-29 00:08

本文选题：融资性担保 + 风险管理　；参考：《广西大学》2014年硕士论文

【摘要】：融资性担保作为我国担保行业的主流,在落实宏观调控政策、优化资源配置、促进社会信用体系建设、满足中小微企业融资需求、推动社会经济发展等方面发挥了积极作用。自2009年行业全面规范整顿以后,融资性担保行业步入了规范化经营轨道。但融资性担保机构数量过多、良莠不齐,部分融资性担保公司抽逃资本金、违规经营等问题仍然存在,长期以来的公司治理和内控机制不健全等问题凸显,融资性担保行业的风险隐患仍不容忽视。融资性担保公司经营的是信用,管理的却是风险,有效的管理和风险控制是融资性担保公司持续健康发展的关键。因此,探讨融资性担保公司的风险管理有现实的指导意义。本文在总结风险管理理论的基础上,从融资性担保行业发展现状及面临的主要问题出发,以广西A融资性担保公司为具体分析实例,探讨融资性担保公司的风险管理。文章从六个部分展开论述,第一部分为导论,简要介绍研究的背景、意义及国内外担保风险管理研究综述；第二部分是融资性担保风险管理相关理论及其行业发展现状,简要介绍了融资性担保风险管理的相关理论,分析了行业发展现状及存在的主要问题,为下文的论述作背景铺垫；第三部分是A融资性担保公司面临的风险因素及其风险管理现状,介绍了A融资性担保公司面临的内外风险因素和A融资性担保公司风险管理现状；第四部分是A融资性担保公司风险管理存在的主要问题及成因分析,对A融资性担保公司风险管理存在的问题及产生的原因进行深入研究；第五部分是完善A融资性担保公司风险管理的对策建议,针对A融资性担保公司风险管理中存在的问题,提出了完善A融资性担保公司风险管理的对策措施；第六部分研究结论和展望,根据前面的探讨总结了A融资性担保公司风险管理的研究结论与研究展望。
[Abstract]:As the mainstream of Chinese guarantee industry, financing guarantee plays an active role in implementing macro-control policies, optimizing the allocation of resources, promoting the construction of social credit system, meeting the financing needs of small and medium-sized enterprises, and promoting the development of social economy. Since 2009 industry comprehensive standardization rectification, financing guarantee industry into the standardized management track. However, the number of financing guarantee institutions is excessive, the good and bad are mixed, and some of the financing guarantee companies still have problems such as withdrawing capital funds and operating illegally. The problems such as the unsound corporate governance and internal control mechanisms for a long time have been highlighted. Financing guarantee industry risk risks still can not be ignored. The financing guarantee company manages the credit, but the management is the risk. Effective management and risk control are the key to the sustainable and healthy development of the financing guarantee company. Therefore, it is of practical significance to explore the risk management of financing guarantee companies. On the basis of summarizing the theory of risk management, this paper discusses the risk management of financing guarantee company by taking Guangxi A financing guarantee company as an example, starting from the present situation of financing guarantee industry and the main problems it faces. The first part is the introduction, which briefly introduces the background, significance and the domestic and foreign research of the guarantee risk management, the second part is the financing guarantee risk management theory and the industry development situation, the second part is the financing guarantee risk management related theory and the industry development present situation. This paper briefly introduces the related theories of financing guarantee risk management, analyzes the current situation and main problems of the industry development, and provides the background for the following discussion. The third part is the risk factors faced by A financing guarantee company and the current situation of risk management. It introduces the internal and external risk factors faced by A financing guarantee company and the risk management status of A financing guarantee company. The fourth part is the main problems and causes analysis of A financing guarantee company risk management, the risk management of A financing guarantee company risk management problems and causes of in-depth study; The fifth part is to perfect the A financing guarantee company risk management countermeasure suggestion, aimed at A financing guarantee company risk management question, proposed consummates A financing guarantee company risk management countermeasure measure; In the sixth part, the conclusion and prospect of risk management of A financing guarantee company are summarized.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F272.3;F832.39

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