本文關(guān)鍵詞： 融資擔(dān)保公司 風(fēng)險(xiǎn)管理 風(fēng)險(xiǎn)識別 風(fēng)險(xiǎn)控制　出處：《山東大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：受2008年世界金融危機(jī)影響,我國相繼出臺相關(guān)政策扶持中小企業(yè)發(fā)展,擔(dān)保業(yè)也迎來發(fā)展機(jī)遇。但是,擔(dān)保業(yè)又是一個高風(fēng)險(xiǎn)的行業(yè),尤其是對于民營擔(dān)保企業(yè),沒有國家金融機(jī)構(gòu)的強(qiáng)大支持,沒有豐厚的資金實(shí)力,如何做好企業(yè)經(jīng)營和風(fēng)險(xiǎn)控制,是一個極重要又復(fù)雜的問題。 擔(dān)保公司要生存,就是要做銀行想做而不能做的信用補(bǔ)充。因而,擔(dān)保公司必須具備比銀行更強(qiáng)的風(fēng)險(xiǎn)識別、風(fēng)險(xiǎn)管理、風(fēng)險(xiǎn)控制與風(fēng)險(xiǎn)化解能力,才能穩(wěn)健生存。擔(dān)保公司如何防范、規(guī)避和控制風(fēng)險(xiǎn),在激烈的市場競爭中生存并做到可持續(xù)性發(fā)展,是不能回避而且必須面對的問題,而對于這個問題的思考和回答對擔(dān)保公司的生存發(fā)展具有極其重要的意義。 本文以一家為中小企業(yè)提供融資擔(dān)保支持的“廣東天信融資擔(dān)保公司”為主要研究對象,在對國內(nèi)外相關(guān)理論和資料進(jìn)行采集整理并進(jìn)行實(shí)地調(diào)研的基礎(chǔ)上,對廣東天信的發(fā)展歷程、業(yè)務(wù)狀況、行業(yè)特征及行業(yè)競爭環(huán)境等進(jìn)行了全面分析,找出廣東天信的內(nèi)部風(fēng)險(xiǎn)與外部風(fēng)險(xiǎn),綜合運(yùn)用風(fēng)險(xiǎn)管理理論、風(fēng)險(xiǎn)控制模型等工具,提出了規(guī)避、控制內(nèi)、外風(fēng)險(xiǎn)的措施。其中內(nèi)部風(fēng)險(xiǎn)防范控制措施包括：建立科學(xué)的治理機(jī)制和內(nèi)部風(fēng)險(xiǎn)防控機(jī)制；通過業(yè)務(wù)創(chuàng)新與組合提高公司風(fēng)險(xiǎn)控制管理能力；建立科學(xué)的擔(dān)保風(fēng)險(xiǎn)評價(jià)體系；制定科學(xué)的盡職調(diào)查程序；建立規(guī)范的風(fēng)險(xiǎn)補(bǔ)償機(jī)制；建立合理的保后監(jiān)管制度；造就高素質(zhì)的項(xiàng)目經(jīng)理團(tuán)隊(duì)和員工團(tuán)隊(duì)。外部風(fēng)險(xiǎn)防范控制措施包括：積極爭取政府的政策支持以規(guī)避風(fēng)險(xiǎn)；市場風(fēng)險(xiǎn)的規(guī)避和控制；外部經(jīng)營道德風(fēng)險(xiǎn)的規(guī)避和控制；對反擔(dān)保資源進(jìn)行創(chuàng)新組合以規(guī)避風(fēng)險(xiǎn)；加強(qiáng)與銀行合作以規(guī)避風(fēng)險(xiǎn)。
[Abstract]:Under the influence of the world financial crisis in 2008, China has issued related policies to support the development of small and medium-sized enterprises, and the guarantee industry has also ushered in development opportunities. However, the guarantee industry is also a high-risk industry. Especially for private guaranteed enterprises, without the strong support of national financial institutions, there is no rich capital strength, how to do a good job of enterprise management and risk control, is an extremely important and complex problem. In order to survive, the guarantee company must be a credit supplement which the bank wants to do but can not do. Therefore, the guarantee company must have stronger risk identification, risk management, risk control and risk resolution than the bank. How to prevent, avoid and control risks, survive in the fierce market competition and achieve sustainable development, is a problem that can not be avoided and must be faced by the guarantee company. The thinking and answer to this question is of great significance to the survival and development of the guarantee company. This article takes a "Guangdong Tianxin financing guarantee Company" which provides financing guarantee support for small and medium-sized enterprises as the main research object, on the basis of collecting and arranging the relevant theories and materials at home and abroad and carrying on the field investigation. This paper comprehensively analyzes the development course, business status, industry characteristics and competition environment of Guangdong Tianxin, finds out the internal and external risks of Guangdong Tianxin, and comprehensively applies the risk management theory. Risk control model and other tools are put forward to avoid, control the internal and external risk measures, including internal risk prevention and control measures, including: to establish a scientific governance mechanism and internal risk prevention and control mechanism; Improve the ability of risk control and management through business innovation and combination; Establish a scientific guarantee risk evaluation system; Develop scientific due diligence procedures; Establishing a standardized risk compensation mechanism; To establish a reasonable post-guarantee supervision system; To create a high-quality team of project managers and staff. External risk prevention and control measures include: actively seeking government policy support to avoid risk; Avoidance and control of market risk; The circumvention and control of external management moral hazard; Innovative combination of anti-guarantee resources to avoid risks; Strengthen cooperation with banks to avoid risk.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.39

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