發(fā)布時(shí)間：2018-06-12 05:15

  本文選題：中小企業(yè) + 融資擔(dān)保��； 參考：《天津大學(xué)》2013年碩士論文

【摘要】：融資擔(dān)保公司在我國(guó)屬于一個(gè)新興的行業(yè)。進(jìn)入21世紀(jì)以來，隨著我國(guó)經(jīng)濟(jì)，特別是民營(yíng)高科技企業(yè)的發(fā)展，我國(guó)的融資擔(dān)保行業(yè)也得到了蓬勃發(fā)展。由于融資擔(dān)保業(yè)務(wù)的高風(fēng)險(xiǎn)性，整個(gè)擔(dān)保行業(yè)存在著較高的風(fēng)險(xiǎn)，是典型的“高風(fēng)險(xiǎn)、低收益”的行業(yè)，因此擔(dān)保業(yè)務(wù)的風(fēng)險(xiǎn)控制就成為影響整個(gè)擔(dān)保行業(yè)發(fā)展的關(guān)鍵。與發(fā)達(dá)國(guó)家相比，我國(guó)的擔(dān)保行業(yè)存在著起步晚、經(jīng)驗(yàn)少，風(fēng)險(xiǎn)控制能力弱的特點(diǎn)，這無疑制約了我國(guó)擔(dān)保行業(yè)的發(fā)展。如何使擔(dān)保公司保證自身穩(wěn)健發(fā)展的前提下更好的服務(wù)于中小企業(yè)，提高擔(dān)保公司的風(fēng)險(xiǎn)控制能力成為了全行業(yè)亟待解決的問題。這也是本文嘗試研究和解決的問題。 本人所在的LZ融資擔(dān)保公司成立于2009年，是一家以高成長(zhǎng)性中小微科技企業(yè)為主要服務(wù)對(duì)象的股份制擔(dān)保公司。高科技中小微企業(yè)輕資產(chǎn)的特征給LZ公司的風(fēng)險(xiǎn)控制帶來極大的挑戰(zhàn)。本文以LZ融資擔(dān)保公司風(fēng)險(xiǎn)控制為研究對(duì)象，結(jié)合案例分析指出風(fēng)險(xiǎn)控制的現(xiàn)狀，在理論上運(yùn)用模型分析，找出了其存在的資本風(fēng)險(xiǎn)、評(píng)審風(fēng)險(xiǎn)、道德風(fēng)險(xiǎn)、競(jìng)爭(zhēng)風(fēng)險(xiǎn)等主要的風(fēng)險(xiǎn)及成因。通過分析其風(fēng)險(xiǎn)的成因，提出了完善內(nèi)部風(fēng)險(xiǎn)管理體系、建立合理的風(fēng)險(xiǎn)分散與轉(zhuǎn)移機(jī)制等相應(yīng)對(duì)策，以及實(shí)施全面、全過程、全員、全新的風(fēng)險(xiǎn)管理的保障措施。建立以高效的管理與運(yùn)行機(jī)制為基礎(chǔ)，以高素質(zhì)的業(yè)務(wù)團(tuán)隊(duì)為主體，以科學(xué)的風(fēng)險(xiǎn)評(píng)估為依據(jù)，構(gòu)建穩(wěn)健、務(wù)實(shí)、全面與高效的風(fēng)險(xiǎn)控制體系。 本文的研究對(duì)LZ擔(dān)保公司在擔(dān)保業(yè)務(wù)中有效的風(fēng)險(xiǎn)控制，，以及其它民營(yíng)擔(dān)保公司的風(fēng)險(xiǎn)控制具有一定的參考及借鑒意義。
[Abstract]:Financing guarantee company belongs to a new industry in our country. Since the beginning of the 21st century, with the development of our economy, especially the private high-tech enterprises, the financing guarantee industry has also developed vigorously. Because of the high risk of financing guarantee business, the whole guarantee industry has higher risk and is a typical "high risk, low profit" industry, so the risk control of guarantee business becomes the key to affect the development of the whole guarantee industry. Compared with the developed countries, China's guarantee industry has the characteristics of late start, less experience and weak risk control ability, which undoubtedly restricts the development of our country's guarantee industry. How to ensure the guarantee company to better serve the small and medium-sized enterprises under the premise of its steady development and improve the risk control ability of the guarantee company has become a problem to be solved urgently in the whole industry. My LZ financing guarantee company was founded in 2009 and is a joint-stock guarantee company with high growth medium and small technology enterprises as its main service object. The characteristics of light assets in high-tech small and medium-sized enterprises pose a great challenge to risk control of LZ Company. This paper takes the risk control of LZ financing guarantee company as the research object, points out the present situation of risk control in combination with the case analysis, and finds out the existing capital risk, evaluation risk and moral hazard by using the model analysis in theory. Competitive risk and other main risks and causes. Based on the analysis of the causes of risk, this paper puts forward some countermeasures such as perfecting the internal risk management system, establishing a reasonable mechanism of risk dispersion and transfer, and carrying out the comprehensive, whole process, all-staff and brand-new guarantee measures of risk management. On the basis of efficient management and operation mechanism, taking the high quality business team as the main body, taking the scientific risk assessment as the basis, the construction is steady and pragmatic, Comprehensive and efficient risk control system. The research of this paper has certain reference and reference significance to LZ guarantee company in the guarantee business effective risk control and other private guarantee company risk control.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.39

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