乌海市融资性担保机构项目风险评级体系构建研究
发布时间：2019-04-04 12:44
【摘要】：我国中小企业数量连年攀升,这一群体的产值在我国经济总量中的比重也不断增加,可是受到自身规模、信用及制度问题的约束,中小企业长期存在融资难的困境,这限制了他们自身的发展与壮大。基于此,社会上出现了一些融资担保机构,他们凭借自身的经济实力与社会信誉,充当起银行与中小企业之间的桥梁,增加了中小企业融资的可能性,缓解了银行借贷的压力。融资性担保机构凭借自身信用提供服务,但也会遇到一定风险,降低风险一直是融资性担保机构的基本目标,其中有效的解决办法是选择合适的担保客户,从而减少代偿率。针对这一问题,为有效控制融资性担保机构面临的风险问题,设计出相应的企业风险评级系统就变得十分重要。在本论文中,着重就乌海市融资性担保机构风险评级体系构建进行了系统分析与设计。首先,概述了本论文的研究背景及研究意义;其次,系统记述了基础理论与进展;再次,针对乌海市担保行业的发展现状与风险问题进行了详细论述,引入AHP理论构建起风险评价模型,同时基于给出模型指标进行风险评价;最后,选定乌海市A公司为对象作为担保项目进行实例分析,并制定出控制乌海市A公司担保项目风险的具体策略。
[Abstract]:The number of small and medium-sized enterprises in China has been rising year by year, and the output value of this group has also been increasing in the total economic volume of our country. However, under the constraints of its own scale, credit and institutional problems, the small and medium-sized enterprises have long-term difficulties in financing. This limits their own development and growth. Based on this, some financing guarantee institutions appear in the society. By virtue of their own economic strength and social reputation, they act as bridges between banks and small and medium-sized enterprises, increasing the possibility of financing small and medium-sized enterprises, and easing the pressure of bank lending. Financing guarantee institutions rely on their own credit to provide services, but also encounter certain risks, risk reduction has been the basic goal of financing guarantee institutions, one of the effective solutions is to choose the right guarantee customers, so as to reduce the rate of indemnification. In order to effectively control the risk problems faced by financing guarantee institutions, it is very important to design the corresponding enterprise risk rating system. In this paper, the risk rating system of financing guarantee institutions in Wuhai City is analyzed and designed systematically. Firstly, the research background and significance of this paper are summarized, secondly, the basic theory and progress are described systematically. Thirdly, this paper discusses the current situation and risk of Wuhai guarantee industry in detail, introduces the AHP theory to construct the risk assessment model, and carries on the risk evaluation based on the given model index at the same time. Finally, Wuhai A Company is selected as an example to analyze the guarantee project, and the concrete strategy to control the risk of Wuhai A Company guarantee project is worked out.
【学位授予单位】：天津工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.39
[Abstract]:The number of small and medium-sized enterprises in China has been rising year by year, and the output value of this group has also been increasing in the total economic volume of our country. However, under the constraints of its own scale, credit and institutional problems, the small and medium-sized enterprises have long-term difficulties in financing. This limits their own development and growth. Based on this, some financing guarantee institutions appear in the society. By virtue of their own economic strength and social reputation, they act as bridges between banks and small and medium-sized enterprises, increasing the possibility of financing small and medium-sized enterprises, and easing the pressure of bank lending. Financing guarantee institutions rely on their own credit to provide services, but also encounter certain risks, risk reduction has been the basic goal of financing guarantee institutions, one of the effective solutions is to choose the right guarantee customers, so as to reduce the rate of indemnification. In order to effectively control the risk problems faced by financing guarantee institutions, it is very important to design the corresponding enterprise risk rating system. In this paper, the risk rating system of financing guarantee institutions in Wuhai City is analyzed and designed systematically. Firstly, the research background and significance of this paper are summarized, secondly, the basic theory and progress are described systematically. Thirdly, this paper discusses the current situation and risk of Wuhai guarantee industry in detail, introduces the AHP theory to construct the risk assessment model, and carries on the risk evaluation based on the given model index at the same time. Finally, Wuhai A Company is selected as an example to analyze the guarantee project, and the concrete strategy to control the risk of Wuhai A Company guarantee project is worked out.
【学位授予单位】：天津工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.39
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