Y担保公司的担保业务风险管理问题研究

发布时间：2018-06-10 01:26

本文选题：担保 + 风险管理　；参考：《北京交通大学》2017年硕士论文

【摘要】：信用担保机构作为中小企业与银行的融资中介,是世界公认的高风险行业。担保机构用自有注册资金为中小企业进行信用担保,使中小企业能顺利获得银行贷款,但同时也转嫁分散了银行的贷款逾期风险。在这种形势下,担保机构群体的风险管理水平会直接影响到行业的经营状况。而担保机构行业的经营状况又会直接影响到中小企业的发展。因此,对于担保机构来说,建立合理完善的风险管理体系,有助于其预测、识别、控制风险,从而更好地支持中小企业的发展。本文主要以Y担保公司的风险管理问题为主要研究对象。从担保行业的发展背景开始,在参考相关文献和信息资料的基础上,阐述了国内外针对担保行业的风险管理问题的研究概况。接着结合全面风险管理理论以及巴塞尔协议中对内部评级的要求,分析了 Y担保公司风险管理的现状,指出Y担保公司在风险评估、基于内部评级模型的关键风险点的控制、内部管理以及外部合作方面存在的问题,并针对这些问题为Y担保公司提供了更加完善的风险管理建议。通过以上的研究,得出结论,在Y担保公司的风险管理过程中,通过增加对企业家道德风险的考量,目标市场客户分层化,客户准入指标规范化,单一客户授信额度具体化限制化,担保品抵押率分级,预警指标详细化这些具体风险点的规范,以及在内部控制上建立审保分离机制,责任追究措施与内控监督岗,外部加强与银行的合作这些辅助管理制度,能使Y担保公司达到更好的业务风险管理水平,更加适应市场信贷风险控制的需要,并对其他担保公司在风险管理上有实践性的借鉴意义。
[Abstract]:As a financing intermediary between SMEs and banks, credit guarantee institution is recognized as a high-risk industry in the world. Guarantee institutions use their own registered funds to guarantee the credit of small and medium-sized enterprises, so that small and medium-sized enterprises can obtain bank loans smoothly, but at the same time, it also distributes the bank's overdue risk. In this situation, the risk management level of guarantee organizations will directly affect the business situation of the industry. And the business situation of guarantee organization industry will affect the development of small and medium-sized enterprises directly. Therefore, establishing a reasonable and perfect risk management system is helpful to predict, identify and control the risk, so as to better support the development of small and medium-sized enterprises. This paper focuses on the risk management of Y-guarantee company as the main research object. Starting from the background of the development of the guarantee industry, based on the reference of relevant literature and information materials, this paper expounds the general situation of the research on the risk management of the guarantee industry at home and abroad. Then combined with the theory of overall risk management and the requirements of internal rating in Basel Accord, this paper analyzes the present situation of risk management of Y guarantee company, and points out that the key risk point control based on internal rating model in risk assessment of Y guarantee company. Internal management and external cooperation problems, and for these issues for Y guarantee company to provide better risk management advice. Through the above research, it is concluded that in the risk management process of Y guarantee company, by increasing the consideration of entrepreneur moral hazard, the target market customer stratification, customer access index standardization, A single customer credit line is specified and restricted, the collateral mortgage rate is classified, the warning index is detailed to standardize these specific risk points, and the internal control mechanism is established, and the accountability measures and internal control supervision posts are established. The external strengthening of the cooperation with banks can enable Y guarantee companies to achieve a better level of business risk management and better meet the needs of credit risk control in the market. And to other guarantee companies in risk management has practical significance.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F272.3;F832.39

【参考文献】