本文關(guān)鍵詞： TJYX擔(dān)保 風(fēng)險(xiǎn) 完善　出處：《陜西師范大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：據(jù)不完全統(tǒng)計(jì),大多數(shù)開展融資性擔(dān)保業(yè)務(wù)三年以上的擔(dān)保公司都發(fā)生了代償,所以擔(dān)保公司現(xiàn)在所面臨的最關(guān)鍵問題就是如何把融資擔(dān)保業(yè)務(wù)的風(fēng)險(xiǎn)減小,使代償率降低。隨著市場(chǎng)的發(fā)展需求,同時(shí)也為解決中小企業(yè)融資難的問題,融資擔(dān)保公司的出現(xiàn)是必然的,是具有政治意義的。但是為中小型企業(yè)的項(xiàng)目擔(dān)保的風(fēng)險(xiǎn)相對(duì)較高,擔(dān)保公司就難免要陷入很難有效控制和評(píng)估中小企業(yè)的信貸風(fēng)險(xiǎn)的困境。因此對(duì)融資性擔(dān)保公司的風(fēng)險(xiǎn)控制的研究刻不容緩,只有這樣才能不斷完善擔(dān)保公司的風(fēng)險(xiǎn)控制體系,提高規(guī)避風(fēng)險(xiǎn)的能力。融資性擔(dān)保公司的風(fēng)險(xiǎn)與融資擔(dān)保的規(guī)模是成正比關(guān)系的。之所以存在高風(fēng)險(xiǎn),是因?yàn)槿谫Y擔(dān)保的客戶一般是中小企業(yè),他們的信用等級(jí)較低；外部因素給融資擔(dān)保的發(fā)展帶來(lái)影響；擔(dān)保公司沒有合理健全的制度。風(fēng)險(xiǎn)控制和防范直接決定了融資性擔(dān)保公司的生存與發(fā)展,如何提高這一能力,是本行業(yè)公認(rèn)的難題。本文把理論和實(shí)踐相結(jié)合,根據(jù)實(shí)際項(xiàng)目的操作流程,對(duì)各個(gè)階段的風(fēng)險(xiǎn)防御和控制進(jìn)行了分析并運(yùn)用到實(shí)際案例中。本文創(chuàng)新之處有以下兩點(diǎn)：第一,以前研究對(duì)象大多選擇的是國(guó)家政策性公司,而本文的研究對(duì)象是TJYX投資擔(dān)保有限公司,它并不是國(guó)家出資成立的,而是屬于民營(yíng)性質(zhì)的。民營(yíng)性的擔(dān)保公司和國(guó)家政策性的擔(dān)保公司相比抵御風(fēng)險(xiǎn)的能力弱,這就需要在風(fēng)險(xiǎn)把控方面必須更加小心謹(jǐn)慎。第二,本文以TJYX投資擔(dān)保有限公司的經(jīng)驗(yàn)教訓(xùn)作為出發(fā)點(diǎn),對(duì)真實(shí)的案例進(jìn)行解剖分析,最后又把落腳點(diǎn)放在TJYX投資擔(dān)保有限公司的風(fēng)險(xiǎn)控制體系上,實(shí)現(xiàn)了理論與實(shí)踐的完美結(jié)合。
[Abstract]:According to incomplete statistics, most of the guarantee companies that carry out the financing guarantee business for more than three years have been compensated, so the most critical problem faced by the guarantee companies is how to reduce the risk of the financing guarantee business. With the development of the market demand, but also to solve the financing problem of SMEs, the emergence of financing guarantee companies is inevitable. It is politically significant, but the risk of securing projects for SMEs is relatively high. It is difficult for guarantee companies to effectively control and evaluate the credit risk of small and medium-sized enterprises, so it is urgent to study the risk control of financing guarantee companies. Only in this way can we improve the risk control system of the guarantee company and improve the ability of avoiding the risk. The risk of the financing guarantee company is proportional to the scale of the financing guarantee. Is because the financing guarantee customers are generally small and medium-sized enterprises, their credit rating is lower; External factors influence the development of financing guarantee; The guarantee company does not have a reasonable and sound system. Risk control and prevention directly determine the survival and development of the financing guarantee company, how to improve this ability. This paper combines theory with practice, according to the actual project operation process. This paper analyzes the risk defense and control of each stage and applies it to practical cases. The innovations of this paper are as follows: first, most of the previous research objects are national policy companies. The research object of this paper is TJYX Investment guarantee Co., Ltd., which is not established by the state. The private guarantee company and the national policy guarantee company are weaker than the national policy guarantee company to resist the risk, which need to be more careful in the risk control. Second. This paper takes the experience and lessons of TJYX Investment guarantee Co., Ltd. as the starting point, analyzes the real case, and finally puts its foothold on the risk control system of TJYX Investment guarantee Co., Ltd. The perfect combination of theory and practice is realized.
【學(xué)位授予單位】：陜西師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.39

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