本文關(guān)鍵詞：中小企業(yè)信用擔(dān)保機構(gòu)全面風(fēng)險管理研究　出處：《山東大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

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【摘要】：隨著中國市場經(jīng)濟體制的完善和發(fā)展,中小企業(yè)在國民經(jīng)濟中的地位越來越重要,在擴大就業(yè)、增加稅源、推動科技創(chuàng)新和地方經(jīng)濟發(fā)展等方面具有不可替代的作用,但由于其信用資源相對匱乏,在發(fā)展過程中普遍存在融資困難的問題。政府為促進經(jīng)濟的持續(xù)增長和社會穩(wěn)定,解決中小企業(yè)面臨的融資難的現(xiàn)狀成立了中小企業(yè)信用擔(dān)保機構(gòu)。但由于目前國內(nèi)信用環(huán)境、中小企業(yè)的群體特征及擔(dān)保補償機制尚未完善等因素,決定了中小企業(yè)信用擔(dān)保機構(gòu)依靠自身的增信功能向中小企業(yè)經(jīng)濟主體提供金融增信服務(wù)的過程中,承擔(dān)著較大的經(jīng)營風(fēng)險。因此,中小企業(yè)信用擔(dān)保機構(gòu)應(yīng)在經(jīng)營中樹立風(fēng)險意識,強化風(fēng)險管理,提高防范風(fēng)險能力,從風(fēng)險防范、風(fēng)險化解、監(jiān)督機制等方面形成具有自身獨特專業(yè)優(yōu)勢的全面風(fēng)險管理體系。 本文從中小企業(yè)信用擔(dān)保風(fēng)險形成原因和中小企業(yè)信用擔(dān)保機構(gòu)全面風(fēng)險管理理念出發(fā),在全面質(zhì)量管理、COSO全面風(fēng)險管理理論框架的基礎(chǔ)上,通過建設(shè)完善的風(fēng)險管理體系,實施全員、全過程、動態(tài)的風(fēng)險管理手段對風(fēng)險進行防范、控制和轉(zhuǎn)移,使中小企業(yè)信用擔(dān)保機構(gòu)控制好風(fēng)險,更好的肩負起扶持和培育中小企業(yè)的重任,緩解中小企業(yè)融資難的問題。 本文的主要內(nèi)容由以下三部分構(gòu)成： 第一部分,全面風(fēng)險管理理論概述部分。主要介紹選題的背景和意義,國內(nèi)外關(guān)于擔(dān)保理論的研究現(xiàn)狀；我國中小企業(yè)信用擔(dān)保行業(yè)發(fā)展歷程；中小企業(yè)信用擔(dān)保機構(gòu)的風(fēng)險定義、分類以及產(chǎn)生的原因,并闡述了目前我國中小企業(yè)信用擔(dān)保機構(gòu)風(fēng)險管理的現(xiàn)狀以及存在的問題。 第二部分,綜述構(gòu)建中小企業(yè)信用擔(dān)保機構(gòu)全面風(fēng)險管理研究的目的和原則。 第三部分,主要闡述了中小企業(yè)信用擔(dān)保全面風(fēng)險管理體系的內(nèi)容。主要從風(fēng)險識別、風(fēng)險預(yù)防、風(fēng)險控制、風(fēng)險轉(zhuǎn)移和分散、風(fēng)險處理和補償五個維度對構(gòu)建全面風(fēng)險管理體系進行研究,旨在解決目前中小企業(yè)信用擔(dān)保機構(gòu)所面臨的風(fēng)險管理問題,化解間接融資壓力,推動金融創(chuàng)新。
[Abstract]:With the improvement and development of China's market economy system, the status of small and medium-sized enterprises in the national economy is becoming more and more important, expanding employment and increasing tax sources. The promotion of scientific and technological innovation and local economic development has an irreplaceable role, but its credit resources are relatively scarce. Financing difficulties are common in the development process. The government aims to promote sustained economic growth and social stability. To solve the financing difficulties faced by SMEs the establishment of SMEs credit guarantee institutions, but due to the current domestic credit environment, small and medium-sized enterprises' group characteristics and guarantee compensation mechanism is not perfect and other factors. It is determined that SMEs credit guarantee institutions rely on their own credit enhancement function to provide financial credit enhancement services to SMEs, and bear a large business risk. The credit guarantee institution of small and medium-sized enterprises should set up risk consciousness, strengthen risk management, improve the ability of preventing risk, and avoid risk from risk prevention. Supervision mechanism and other aspects of the formation of its own unique professional advantages of the overall risk management system. This paper starts from the formation reason of credit guarantee risk of small and medium-sized enterprises and the concept of overall risk management of SME credit guarantee organization, on the basis of total quality management and COSO comprehensive risk management theory framework. Through the construction of a sound risk management system, the implementation of full staff, the whole process, dynamic risk management means to prevent, control and transfer of risk, so that SMEs credit guarantee institutions to control the risk. Better shoulder the responsibility of supporting and nurturing small and medium-sized enterprises, ease the financing difficulties of small and medium-sized enterprises. The main content of this paper consists of the following three parts: The first part introduces the background and significance of the topic and the research status of the guarantee theory at home and abroad. The development course of credit guarantee industry of small and medium-sized enterprises in China; The definition, classification and causes of the risk of the SME credit guarantee institution are discussed, and the present situation and problems of the risk management of the SME credit guarantee institution in our country are expounded. In the second part, the purpose and principle of risk management research on credit guarantee institution of small and medium-sized enterprises are summarized. The third part, mainly elaborated the small and medium-sized enterprise credit guarantee comprehensive risk management system content, mainly from the risk identification, the risk prevention, the risk control, the risk transfer and the dispersion. In order to solve the risk management problems faced by SMEs credit guarantee institutions, to resolve the indirect financing pressure and promote financial innovation, this paper studies the construction of comprehensive risk management system from the five dimensions of risk management and compensation.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.39

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