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X担保公司风险管理研究

发布时间:2018-11-17 09:47
【摘要】:近年来担保行业在中小企业的快速发展之下,其重要性逐渐突出,但发展并非是一帆风顺的。由于政府对担保行业扶持加大,有许多民间资本纷纷涌入担保机构。这些民营担保公司加入金融体系内,很大程度上解决了市场当中有长远利益发展却因资金不足的中小型企业的资金链问题,也分担了银行的信贷风险。但目前国内对担保机构的管理还不规范,存在较大风险。鉴于担保公司经营风险的重要性,进行有效风险管理就成为了重点。本文梳理国内外担保风险理论基础上,对X担保公司风险管理体系进行研究。通过对组织架构、担保流程分析,根据SWOT分析法比对,阐述其在发展中的不足,并提出解决方法与措施,,为民营担保公司有效的风险防控和管理提供参考和借鉴。
[Abstract]:In recent years, with the rapid development of SMEs, the importance of guarantee industry is gradually prominent, but the development is not smooth. As government support for the guarantee industry increased, a lot of private capital poured into guarantee institutions. These private guarantee companies join the financial system, to a large extent, to solve the long-term interests of the market but because of lack of funds of small and medium-sized enterprises financing chain problem, but also share the credit risk of banks. However, at present, the management of guarantee institutions is not standardized, there is a greater risk. In view of the importance of the guarantee company operating risk, effective risk management has become the focus. Based on the theory of guarantee risk at home and abroad, this paper studies the risk management system of X-guarantee company. Based on the analysis of organizational structure, guarantee process and comparison of SWOT analysis method, this paper expounds its shortcomings in development, and puts forward the solutions and measures to provide reference and reference for the effective risk prevention and control and management of private guarantee companies.
【学位授予单位】:黑龙江大学
【学位级别】:硕士
【学位授予年份】:2014
【分类号】:F832.39;F272.3

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本文编号:2337345


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