鑒于中小企業(yè)在國民經(jīng)濟中的地位和作用,其生存和發(fā)展問題受到各國普遍關注。由于規(guī)模小和信用度低,融資難一直成為制約中小企業(yè)發(fā)展的重要因素。融資性擔保作為一項制度安排,致力于解決中小企業(yè)融資難問題,但是,融資性擔保行業(yè)具有高風險性,必須采取有效的方式方法控制和管理風險。本文在整理國內(nèi)外文獻的基礎上,首先,對融資性擔保相關理論以及我國融資性擔保行業(yè)經(jīng)營模式和特征進行了介紹,分析其風險類型及成因,其次,以JC融資擔保公司為案例進行分析,最后,以全面風險管理理論為導向,構建全面風險管理體系基本框架,力圖控制和管理融資性擔保公司的風險,為其可持續(xù)發(fā)展保駕護航。通過分析研究發(fā)現(xiàn),經(jīng)營融資性擔保公司風險雖然較高,但是風險并非不可控,通過構建全面風險管理體系可以有效管理和應對風險。構建全面風險管理體系基本框架,包括了對目標、管理過程和配套設施的構建。目標構建由戰(zhàn)略、經(jīng)營、報告和遵循性目標的構建組成;管理過程構建是通過構建由事件識別、風險評估、風險應對和監(jiān)督組成的管理閉環(huán),對風險進行持續(xù)動態(tài)地管理;配套設施構建是構建良好的內(nèi)部環(huán)境、控制活動和信息系統(tǒng),以保證整個體系有效運作。 

【文章來源】：廣東外語外貿(mào)大學廣東省

【文章頁數(shù)】：78 頁

【學位級別】：碩士

【文章目錄】：
ACKNOWLEDGEMENTS
ABSTRACT
摘要
LIST OF ABBREVIATIONS
1 Introduction
    1.1 Research Background and Significance
        1.1.1 Research Background
        1.1.2 Research Significance
    1.2 Research Contents and Approaches
        1.2.1 Research Contents
        1.2.2 Research Framework
    1.3 Research Methodology
        1.3.1 Literature Review
        1.3.2 Case Study
2 Literature Review
    2.1 Connotation of Risk Management
    2.2 Connotation and Elements of COSO Overall Risk Management
        2.2.1 Business Goal
        2.2.2 Management Process
        2.2.3 Supporting facilities
    2.3 Review on Literatures both at Home and from Abroad
        2.3.1 Literature Review
        2.3.2 Summary
3 Introduction to Financing Guarantee Industry and Companies
    3.1 A Brief Introduction to Financing Guarantee Companies
        3.1.1 The Business Model of Financing Guarantee Companies
        3.1.2 The Status Quo of Financing Guarantee Industry in China
        3.1.3 The Risk Categories of Financing Guarantee Companies
        3.1.4 The Development of Financing Guarantee Industry in the Future
    3.2 A Brief introduction to JC Financing Guarantee Company
    3.3 The Business Model of JC Financing Guarantee Company
    3.4 Risks of JC Financing Guarantee Company
        3.4.1 Risks of Capital Lending
        3.4.2 Unable to Recognize and Control Risks of Guaranteed Projects
        3.4.3 Summary
4 The Status Quo of JC'S Risk Management and Analysis of Causes to Risks
    4.1 The Status Quo of JC Financing Guarantee Company’s Risk Management
        4.1.1 Principles of Risk Management Strategy
        4.1.2 Organizational Structure and Duty Segregation of Risk Management
        4.1.3 The Organizational Structure of the Company
        4.1.4 Credit Risk Management
        4.1.5 Liquidity Risk Management
        4.1.6 Market Risk Management
        4.1.7 Operational Risk Management
    4.2 Analysis of Causes to Risks of JC Company
        4.2.1 Systematic Risks
        4.2.2 Unsystematic Risk
5 Suggestions on Optimizing the Strategic Risk Management of JC Company
    5.1 Establishment of Goals
    5.2 The Construction of Management Process
    5.3 The Construction of Supporting Facilities
        5.3.1 Internal Environment
        5.3.2 Activity Control
        5.3.3 Information System
    5.4 Risk Recognition of Financing Guarantee Company
        5.4.1 Credit risk Recognition of Financing Guarantee Company
        5.4.2 Recognition of Operational Risks Facing Financing Guarantee Companies
        5.4.3 Recognition of other risks existing in financing guarantee companies
    5.5 Risk Assessment of Financing Guarantee Companies
        5.5.1 Credit risk Assessment of Financing Guarantee Companies
        5.5.2 Assessment of Operational Risks and Other Risks for Financing GuaranteeCompanies
    5.6 Risk Response of Financing Guarantee Companies
        5.6.1 Credit risk Response of Financing Guarantee Companies
        5.6.2 Dealing with Operational Risks and Other Risks in the Financing GuaranteeCompany
6 Concluding Remarks and Limitations
REFERENCE


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期刊論文
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碩士論文
[1]銀行與融資性擔保公司合作風險管理研究[D]. 黃五四.廣西大學 2013
[2]融資性擔保機構風險分析與評價研究[D]. 梁鳳.陜西師范大學 2013
[3]融資性擔保公司運營中的風險分析及法律防范[D]. 吳文錕.華東政法大學 2012



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