某商业银行苏州分行合作担保业务的风险及防控策略研究
发布时间：2018-12-26 15:53
【摘要】：近年来,银行金融机构与融资性担保公司业务合作规模不断扩大,特别是在中小企业信贷业务方面,受当前经济环境不确定、宏观经济增速下行压力加大的影响,中小企业面临巨大压力,担保机构经营压力陡增。同时,在资本逐利性的驱动下,全国各地多次爆出多家担保机构由于从事高风险投资、高息借贷、非法集资的业务而出现挤兑、倒闭的情况,使得担保机构从信贷业务的防火墙变为火药桶。银行作为融资性担保机构信贷业务方面的合作伙伴,一旦担保机构资金链出现断裂,银行信贷资产的第二还款来源将会面临悬空的危险。因此,进一步树立合作担保业务中存在的风险,加强银行对担保业务的管理和控制,对于防范担保业务风险,推动信贷业务健康、持续发展有重要意义。本文从某商业银行苏州分行的合作担保业务进行分析,通过实例研究、比较研究、定性定量等分析方式,在对某商业银行苏州分行合作担保业务管理中存在的问题进行深入分析,针对这些问题,通过科学的方法对其进行辨识、分析、评价。按照业务流程、关键风险点,从商业银行内部控制的角度对存在问题进行分析,揭示问题在制度设计、管理、执行方面的根本原因,提出有效的风险防控策略,实现对银行合作担保业务的全面风险管理,以完善某商业银行苏州分行风险管理体系,从而进一步提升商业银行风险管控水平的进一步提升。
[Abstract]:In recent years, the scale of business cooperation between banks and financial institutions and financing guarantee companies has been continuously expanded, especially in the credit business of small and medium-sized enterprises, affected by the uncertainty of the current economic environment and the increasing downward pressure on macroeconomic growth. Small and medium-sized enterprises are faced with enormous pressure, guarantee agency management pressure increases sharply. At the same time, driven by the pursuit of capital and interest, several times throughout the country, a number of guarantee organizations broke out and closed down because of their business of engaging in high-risk investment, high-interest loans, and illegal fund-raising. Make the guarantee agency from the firewall of the credit business into a powder keg. As a partner in the credit business of the financing guarantee institution, once the guarantee agency's capital chain breaks, the second source of repayment of the bank's credit assets will be in danger of being left blank. Therefore, it is of great significance to set up the risks in the cooperative guarantee business and strengthen the management and control of the guarantee business in the bank, to prevent the risk of the guarantee business, to promote the healthy and sustainable development of the credit business. This paper analyzes the cooperative guarantee business of Suzhou branch of a commercial bank, through case study, comparative study, qualitative and quantitative analysis, etc. The problems existing in the management of cooperative guarantee business of a commercial bank in Suzhou Branch are analyzed in depth, and the identification, analysis and evaluation of these problems are carried out through scientific methods. According to the business process and the key risk points, this paper analyzes the existing problems from the perspective of internal control of commercial banks, reveals the root causes of the problems in system design, management and implementation, and puts forward effective risk prevention and control strategies. In order to perfect the risk management system of Suzhou Branch of a commercial bank and further enhance the level of risk control of commercial banks, the comprehensive risk management of the cooperative guarantee business of banks can be realized in order to perfect the risk management system of Suzhou Branch of a commercial bank.
【学位授予单位】：西南科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2
本文编号：2392345
[Abstract]:In recent years, the scale of business cooperation between banks and financial institutions and financing guarantee companies has been continuously expanded, especially in the credit business of small and medium-sized enterprises, affected by the uncertainty of the current economic environment and the increasing downward pressure on macroeconomic growth. Small and medium-sized enterprises are faced with enormous pressure, guarantee agency management pressure increases sharply. At the same time, driven by the pursuit of capital and interest, several times throughout the country, a number of guarantee organizations broke out and closed down because of their business of engaging in high-risk investment, high-interest loans, and illegal fund-raising. Make the guarantee agency from the firewall of the credit business into a powder keg. As a partner in the credit business of the financing guarantee institution, once the guarantee agency's capital chain breaks, the second source of repayment of the bank's credit assets will be in danger of being left blank. Therefore, it is of great significance to set up the risks in the cooperative guarantee business and strengthen the management and control of the guarantee business in the bank, to prevent the risk of the guarantee business, to promote the healthy and sustainable development of the credit business. This paper analyzes the cooperative guarantee business of Suzhou branch of a commercial bank, through case study, comparative study, qualitative and quantitative analysis, etc. The problems existing in the management of cooperative guarantee business of a commercial bank in Suzhou Branch are analyzed in depth, and the identification, analysis and evaluation of these problems are carried out through scientific methods. According to the business process and the key risk points, this paper analyzes the existing problems from the perspective of internal control of commercial banks, reveals the root causes of the problems in system design, management and implementation, and puts forward effective risk prevention and control strategies. In order to perfect the risk management system of Suzhou Branch of a commercial bank and further enhance the level of risk control of commercial banks, the comprehensive risk management of the cooperative guarantee business of banks can be realized in order to perfect the risk management system of Suzhou Branch of a commercial bank.
【学位授予单位】：西南科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2
【参考文献】
相关期刊论文 前1条
1 钱震宁;;商业银行与担保公司业务合作的成效、问题及思考——基于对合肥农村城市商业银行的调研[J];华东经济管理;2009年10期
，本文编号：2392345
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