本文選題：擔(dān)保　切入點(diǎn)：風(fēng)險(xiǎn)　出處：《內(nèi)蒙古大學(xué)》2013年碩士論文

【摘要】：擔(dān)保行業(yè)是我國在21世紀(jì)才不斷發(fā)展壯大的一個(gè)新興行業(yè),隨著我國經(jīng)濟(jì)的高速發(fā)展,擔(dān)保行業(yè)也得以快速發(fā)展。由于擔(dān)保業(yè)務(wù)的特殊性,擔(dān)保行業(yè)存在這較高的風(fēng)險(xiǎn),因此擔(dān)保業(yè)務(wù)風(fēng)險(xiǎn)管理成為擔(dān)保行業(yè)穩(wěn)定發(fā)展的關(guān)鍵。目前擔(dān)保公司已逐步發(fā)展成為我國金融界的重要力量,在金融市場(chǎng)逐步完善和發(fā)展進(jìn)程中,它的重要作用越來越明顯。擔(dān)保公司利用其獨(dú)特的地位肩負(fù)著解決我國中小企業(yè)籌融資難的作用,同時(shí)還在分散和化解銀行信貸引發(fā)風(fēng)險(xiǎn)方面有著重要作用。作為一個(gè)獨(dú)立的經(jīng)濟(jì)組織,其風(fēng)險(xiǎn)預(yù)測(cè)及控制方案的有效性對(duì)組織自身發(fā)展來說非常必要,基于此,探索融資擔(dān)保公司的風(fēng)險(xiǎn)問題,并提出行之有效的風(fēng)險(xiǎn)控制方案,對(duì)有效處理當(dāng)前中小企業(yè)融資困難這一難題有著非常重要的意義。 論文依據(jù)并參考了國內(nèi)外最新的風(fēng)險(xiǎn)管理理論及方式方法,對(duì)融資擔(dān)保公司出現(xiàn)的風(fēng)險(xiǎn)進(jìn)行評(píng)價(jià),并提出控制措施進(jìn)行了有效的探索,論文論述了融資擔(dān)保公司所面對(duì)的內(nèi)外部風(fēng)險(xiǎn)及相關(guān)擔(dān)保項(xiàng)目在操作過程中各環(huán)節(jié)能夠引發(fā)的風(fēng)險(xiǎn)因素,同時(shí)參照內(nèi)蒙古地區(qū)融資擔(dān)保公司風(fēng)險(xiǎn)現(xiàn)狀、中小企業(yè)的發(fā)展?fàn)顩r及二者在國民經(jīng)濟(jì)發(fā)展過程中的重要作用,進(jìn)一步闡述相適應(yīng)的風(fēng)險(xiǎn)評(píng)價(jià)及控制框架,為提升內(nèi)蒙古融資擔(dān)保公司的風(fēng)險(xiǎn)評(píng)估研究、風(fēng)險(xiǎn)防范體系購進(jìn)和強(qiáng)化融資擔(dān)保公司風(fēng)險(xiǎn)預(yù)防管理水平提供了有效的參考。 論文對(duì)國內(nèi)外信用擔(dān)保機(jī)構(gòu)在發(fā)展過程中所出現(xiàn)的問題進(jìn)行了深入探討,總結(jié)了上述擔(dān)保機(jī)構(gòu)對(duì)出現(xiàn)問題所采取的相對(duì)成熟的解決方案,以此為基礎(chǔ),深入研究了內(nèi)蒙古XX融資擔(dān)保公司在風(fēng)險(xiǎn)管理機(jī)制構(gòu)建上存在的薄弱環(huán)節(jié),同時(shí)運(yùn)用全面風(fēng)險(xiǎn)管理理論,利用當(dāng)前在風(fēng)險(xiǎn)管理中先進(jìn)的分析方法和手段,為內(nèi)蒙古XX融資擔(dān)保公司構(gòu)建了系統(tǒng)全面的風(fēng)險(xiǎn)管理機(jī)制,完善了薄弱環(huán)節(jié),確立一個(gè)保障內(nèi)蒙古某融資擔(dān)保公司內(nèi)部部門間相互協(xié)調(diào)制約、全程跟蹤反饋的全面風(fēng)險(xiǎn)管理框架構(gòu)建方案,與此同時(shí),設(shè)計(jì)具體的實(shí)施步驟及配套的保障方案。
[Abstract]:The guarantee industry is a new industry which has been developing in the 21st century. With the rapid development of our country's economy, the guarantee industry has also developed rapidly. Because of the particularity of the guarantee business, the guarantee industry has this higher risk. Therefore, the risk management of guarantee business becomes the key to the steady development of the guarantee industry. At present, the guarantee companies have gradually developed into an important force in the financial circles of our country, and in the process of the gradual improvement and development of the financial market, Its important role is becoming more and more obvious. Guarantee companies take advantage of their unique position to shoulder the role of solving the financing difficulties of small and medium-sized enterprises in China. As an independent economic organization, the effectiveness of its risk prediction and control programs is essential for the development of the organization itself. It is of great significance to explore the risk problems of financing guarantee companies and put forward effective risk control schemes to deal with the difficulties of financing in small and medium-sized enterprises. Based on and referring to the latest theories and methods of risk management at home and abroad, the paper evaluates the risks of financing guarantee companies, and puts forward some effective control measures. The paper discusses the internal and external risks faced by the financing guarantee companies and the risk factors that can be caused by each link in the operation process of the related guarantee projects. At the same time, it refers to the risk situation of the financing guarantee companies in Inner Mongolia. The development of small and medium-sized enterprises and their important role in the process of national economic development, further elaborated the appropriate risk assessment and control framework, in order to enhance the risk assessment of financing guarantee companies in Inner Mongolia, Risk prevention system purchase and strengthen financing guarantee company risk prevention management level provides an effective reference. In this paper, the problems in the development of credit guarantee institutions at home and abroad are discussed in depth, and the relatively mature solutions adopted by the above mentioned guarantee institutions are summarized. This paper deeply studies the weak links in the construction of risk management mechanism of XX financing guarantee Company in Inner Mongolia. At the same time, it uses the comprehensive risk management theory and the advanced analysis methods and means in risk management. This paper constructs a systematic and comprehensive risk management mechanism for XX financing guarantee Company in Inner Mongolia, improves the weak link, and establishes a guarantee of coordination and restriction among the internal departments of a financing guarantee company in Inner Mongolia. The overall risk management framework is constructed by tracking the whole process feedback, at the same time, the concrete implementation steps and supporting guarantee scheme are designed.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.39;F272.3

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本文編號(hào)：1654493