發(fā)布時間：2018-08-24 17:44

【摘要】：自從新中國實(shí)行經(jīng)濟(jì)政策改革、對外開放以來，泉州市的勞動人民勇于抓住機(jī)遇，充分發(fā)揮本土產(chǎn)業(yè)優(yōu)勢，艱難困苦地開創(chuàng)事業(yè)，使得泉州經(jīng)濟(jì)一躍而起。目前，中小微企業(yè)為泉州的國民經(jīng)濟(jì)做了重大的貢獻(xiàn)，儼然成了泉州最大的經(jīng)濟(jì)支柱。然而泉州中小微企業(yè)普遍存在資產(chǎn)規(guī)模小、管理不規(guī)范、信息披露不實(shí)及信用等級較低等現(xiàn)象，使得商業(yè)銀行等金融機(jī)構(gòu)顧及資金監(jiān)管成本高、真實(shí)信息獲取難等因素而導(dǎo)致“拒貸”、“惜貸”行為的產(chǎn)生�！百Y金緊缺”再加上“融資難”已為中小微企業(yè)的通病，使得中小微企業(yè)的發(fā)展受到了嚴(yán)重的制約。融資擔(dān)保公司的介入起到了雙方面的作用，一是提高中小微企業(yè)信用度，二是為銀行承擔(dān)放貸資金的風(fēng)險性，從而緩解了“融資難”問題。然而這使得銀行無形中將其風(fēng)險轉(zhuǎn)嫁到了融資擔(dān)保公司之上。由此，融資擔(dān)保公司必須建立一套完善的風(fēng)險防控機(jī)制，合理把控風(fēng)險，降低甚至避免代償損失。 基于此，本文根據(jù)目前融資擔(dān)保行業(yè)的現(xiàn)狀及泉州中小微企業(yè)的現(xiàn)狀指出融資擔(dān)保公司面臨的兩大內(nèi)部風(fēng)險點(diǎn)與六大外部風(fēng)險點(diǎn)，并提出目前泉州融資擔(dān)保公司中小微企業(yè)融資擔(dān)保業(yè)務(wù)風(fēng)險防控的不利因素。此外，，本文針對不同的風(fēng)險點(diǎn)分別運(yùn)用不對稱理論與共生理論表明構(gòu)建互助式融資擔(dān)保公司的思路；分析業(yè)務(wù)轉(zhuǎn)型民間借貸擔(dān)保業(yè)務(wù)的必要性及可能性以解決政策風(fēng)險；提出建立員工獎懲機(jī)制及樹立企業(yè)文化以防控道德風(fēng)險；通過理論分析與實(shí)證分析、定性及定量結(jié)合，分別提出規(guī)范的業(yè)務(wù)流程及風(fēng)險體系的建立，以防控中小微企業(yè)帶來的外部風(fēng)險。同時，本文通過案例分析，指出由于融資擔(dān)保公司的不規(guī)范業(yè)務(wù)操作及中小微企業(yè)的經(jīng)營不善給融資擔(dān)保公司帶來的代償風(fēng)險，說明了融資擔(dān)保公司建立風(fēng)險防控機(jī)制的重要性。
[Abstract]:Since the implementation of economic policy reform and opening to the outside world in New China, the working people of Quanzhou City have been brave to seize the opportunity, give full play to the advantages of local industries, and create a cause with difficulty and hardship, which makes Quanzhou's economy rise at a leap. At present, small and medium enterprises have made great contributions to the national economy of Quanzhou, and have become the largest economic pillar of Quanzhou. However, small and medium-sized enterprises in Quanzhou generally have such phenomena as small scale of assets, irregular management, false disclosure of information and low credit rating, which makes commercial banks and other financial institutions take into account the high cost of capital supervision. It is difficult to obtain real information, which leads to the behavior of "refusing credit" and "refusing credit". The shortage of funds and the difficulty of financing have been the common problems of small and medium-sized enterprises, which make the development of small and medium-sized enterprises seriously restricted. The involvement of financing guarantee companies plays a dual role, one is to improve the credit degree of small and medium-sized enterprises, the other is to undertake the risk of lending funds for banks, thus easing the problem of "financing difficulties". However, this allows banks to imperceptibly shift their risk to financing guarantee companies. Therefore, the financing guarantee company must establish a set of perfect risk prevention and control mechanism, reasonably control the risk, reduce or even avoid the compensatory loss. Based on this, according to the current situation of financing guarantee industry and Quanzhou small and medium enterprises, this paper points out two internal risk points and six external risk points that financing guarantee companies face. And put forward the current Quanzhou financing guarantee company small and medium-sized enterprises financing guarantee business risk prevention and control of adverse factors. In addition, this paper uses asymmetric theory and symbiosis theory to show the idea of constructing mutual financing guarantee company, analyzes the necessity and possibility of private loan guarantee business in order to solve the policy risk. In order to prevent and control moral hazard, it is proposed to establish the mechanism of staff reward and punishment and to set up corporate culture to prevent and control moral hazard, through theoretical analysis and empirical analysis, qualitative and quantitative analysis, the establishment of standardized business process and risk system are put forward respectively. To prevent and control the small and medium-sized enterprises brought about by the external risks. At the same time, through the case study, this paper points out the compensatory risk to the financing guarantee company due to the non-standard operation of the financing guarantee company and the poor management of the small and medium-sized enterprises. This paper illustrates the importance of establishing risk prevention and control mechanism for financing guarantee companies.
【學(xué)位授予單位】：華僑大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.39

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 王真真;;完善中小企業(yè)融資擔(dān)保體系的構(gòu)想[J];長春金融高等�？茖W(xué)校學(xué)報;2006年01期

2 閆屹;黃丹青;;境外中小企業(yè)信用擔(dān)保機(jī)制的啟示[J];銀行家;2007年03期

3 何光輝,楊咸月;中國小企業(yè)融資擔(dān)保發(fā)展的理論研究[J];財經(jīng)研究;2000年08期

4 顧海峰;;中小企業(yè)信用擔(dān)保風(fēng)險形成的內(nèi)在機(jī)制研究[J];財經(jīng)理論與實(shí)踐;2007年03期

5 朱艷萍;席升陽;;我國民營擔(dān)保公司的信用風(fēng)險與防范[J];創(chuàng)新科技;2009年04期

6 吳云旋;;加快發(fā)展泉州中小企業(yè)融資業(yè)務(wù)的對策分析[J];科技和產(chǎn)業(yè);2009年11期

7 馬林,沈祖志;中小企業(yè)供應(yīng)鏈管理的匯率風(fēng)險決策分析[J];大連理工大學(xué)學(xué)報(社會科學(xué)版);2004年02期

8 左力;;德州市民營擔(dān)保公司風(fēng)險管理與評估體系的構(gòu)建[J];德州學(xué)院學(xué)報;2006年05期

9 何國欽;;中小企業(yè)融資擔(dān)保體系的比較借鑒與政策思考[J];福建金融;2009年09期

10 李偉;;融資性擔(dān)保公司風(fēng)險控制機(jī)制的構(gòu)建[J];法制與經(jīng)濟(jì)(下旬);2010年04期

本文編號：2201563