本文關(guān)鍵詞：融資性擔(dān)保公司運營中的風(fēng)險分析及法律防范　出處：《華東政法大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

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【摘要】：融資性擔(dān)保公司是以提供融資性擔(dān)保為主業(yè)，解決中小企業(yè)融資難問題的機(jī)構(gòu)。然而，融資性擔(dān)保公司要想更好地服務(wù)于中小企業(yè)，首先其自身必須具有較強的風(fēng)險控制和分散的能力，才能在風(fēng)險叢生的擔(dān)保行業(yè)生存下來。就我國而言，一方面，廣大中小企業(yè)對融資擔(dān)保的需求十分迫切。另一方面，融資性擔(dān)保公司仍處于新生階段，風(fēng)險控制能力較弱，相關(guān)法律制度不完善。因此，無論是實踐需要，還是制度建設(shè)，我國都有必要控制和分散融資性擔(dān)保公司面臨的風(fēng)險。本文從分析融資性擔(dān)保公司面臨的各種風(fēng)險出發(fā)，剖析風(fēng)險形成的原因，指出我國相關(guān)法律制度存在的不足，并在借鑒國外立法經(jīng)驗的基礎(chǔ)上提出完善我國融資性擔(dān)保公司風(fēng)險控制法律制度的建議。 本文主要分為五部分內(nèi)容： 第一章，典型案例及融資性擔(dān)保公司發(fā)展概況。通過“中科智擔(dān)�！卑咐榻B與分析，引出融資性擔(dān)保公司的概念及特點。依據(jù)監(jiān)管部門出臺的規(guī)范性文件，將我國融資性擔(dān)保公司的發(fā)展劃分為三個階段，即試點探索、政策推進(jìn)和規(guī)范整頓。 第二章，融資性擔(dān)保公司運營中的風(fēng)險及原因分析。筆者將融資性擔(dān)保公司面臨的風(fēng)險歸納為信用風(fēng)險、經(jīng)營風(fēng)險、政策風(fēng)險、經(jīng)濟(jì)周期風(fēng)險以及法律變動風(fēng)險五個方面，并從融資擔(dān)保法律關(guān)系的四個主體出發(fā)，著重分析了上述風(fēng)險形成的機(jī)理，就此提出風(fēng)險控制分散的必要性。 第三章，我國融資擔(dān)保公司風(fēng)險控制面臨的法律障礙。首先指出我國風(fēng)險控制的立法現(xiàn)狀，肯定其發(fā)揮的作用。其次概括了現(xiàn)行法律法規(guī)存在的缺陷。最后選取了三部法律進(jìn)行重點分析，提出我國融資性擔(dān)保風(fēng)險控制法律制度主要存在立法滯后、內(nèi)容過于原則、法律層級較低等障礙。 第四章，，融資性擔(dān)保公司風(fēng)險控制制度的國際比較。從比較法的角度，參照國外融資性擔(dān)保公司風(fēng)險控制法律制度，主要從監(jiān)管體制、擔(dān)保金額限額管理、擔(dān)保業(yè)務(wù)程序規(guī)范化、比例擔(dān)保、再擔(dān)保等方面進(jìn)行詳細(xì)比較分析，并對其逐一評價，指出國外做法對我國的啟示。 第五章，完善融資性擔(dān)保公司風(fēng)險法律防范的思考。在借鑒國外立法經(jīng)驗的基礎(chǔ)上，結(jié)合最新出臺的部門規(guī)章，從監(jiān)管體制、市場準(zhǔn)入、風(fēng)險分散三個方面，論述了如何完善我國融資性擔(dān)保公司風(fēng)險控制與分散的法律制度。
[Abstract]:The financing Guarantee Corporation is to provide financing guarantee industry, to solve the problem of SME financing institutions. However, financing Guarantee Corporation to better serve the small and medium-sized enterprises, the first must possess strong risk control and dispersion ability, the security industry can down at risk clusters in our country to survive. On the one hand, the majority of small and medium-sized enterprises, demand for financing is very urgent. On the other hand, financing Guarantee Corporation is still in a nascent stage, risk control ability is weak, the relevant legal system is not perfect. Therefore, it is need to practice, or the system construction, our country has the necessary risk control and decentralized financing Guarantee Corporation. This article from the risk analysis of financing Guarantee Corporation face, analyzes the causes of risks and shortcomings in China's legal system, and in reference to foreign legislation On the basis of the experience of law, suggestions are put forward to improve the legal system of financial Guarantee corporation risk control in China.
This article is divided into five parts:
The first chapter, the typical cases and financing Guarantee corporation development. Through the introduction and analysis of credit "case, leads to the concept and characteristics of financing Guarantee Corporation. On the basis of the introduction of regulatory normative documents, the development of China's financing Guarantee Corporation is divided into three stages, namely pilot exploration, policy to promote and regulate the rectification.
The second chapter, analysis of causes and risk financing Guarantee Corporation in the operation. The risk of financing Guarantee Corporation into credit risk, operation risk, policy risk, legal risk and the risk of changes in the economic cycle in five aspects, and starting from the four main financing guarantee legal relationship, analyzes the mechanism of the formation of the risk this paper, the necessity of controlling risks.
The third chapter, the legal obstacles of China's financing risk control of Guarantee Corporation face. Firstly it points out the legislative status quo of risk control in China, must play its role. Then summarized the defects of existing laws and regulations. Finally selected the three laws are analyzed, put forward China's investment guarantee risk control legal system of the main existing legislative lag, the content is too principle, legal obstacles level is low.
The fourth chapter, the international comparison of the financing Guarantee corporation risk control system. From the perspective of comparative law, according to the foreign financing Guarantee corporation risk control legal system, mainly from the regulatory system, the amount of the guarantee quota management, guarantee business process standardization, guarantee proportion, and then take a detailed comparative analysis of protection and other aspects, and the evaluation of one by one, points out the Enlightenment of foreign practices on the China.
The fifth chapter on perfecting the legal risk prevention of the financing Guarantee Corporation. On the basis of foreign legislation experience, combined with the introduction of the new regulations, the supervision system, market access, risk diversification three aspects, discusses how to perfect our financing Guarantee corporation risk control and dispersion of the legal system.

【學(xué)位授予單位】：華東政法大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：D922.29;D923;F832.39

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