本文選題：中小企業(yè)　切入點(diǎn)：信用擔(dān)保　出處：《湖南大學(xué)》2012年碩士論文

【摘要】：信用擔(dān)保機(jī)構(gòu)建設(shè)是我國(guó)信用擔(dān)保體系建設(shè)的重要組成部分。信用擔(dān)保機(jī)構(gòu)通過(guò)對(duì)中小企業(yè)的增信,進(jìn)一步扶持中小企業(yè)不斷發(fā)展壯大,在經(jīng)濟(jì)和社會(huì)發(fā)展中發(fā)揮了重要的作用。風(fēng)險(xiǎn)管理問(wèn)題是信用擔(dān)保機(jī)構(gòu)能否可持續(xù)發(fā)展的關(guān)鍵,因此,研究風(fēng)險(xiǎn)管理問(wèn)題將對(duì)信用擔(dān)保機(jī)構(gòu)的發(fā)展和信用擔(dān)保體系的建設(shè)起到積極的促進(jìn)作用。 本文通過(guò)對(duì)汨羅市中小企業(yè)信用擔(dān)保公司風(fēng)險(xiǎn)管理現(xiàn)狀的分析,結(jié)合國(guó)外信用擔(dān)保機(jī)構(gòu)的有益實(shí)踐經(jīng)驗(yàn),提出了完善該公司風(fēng)險(xiǎn)管理的幾點(diǎn)對(duì)策以及相應(yīng)的保障措施。首先,從信用、信有擔(dān)保和信用擔(dān)保機(jī)構(gòu)的基本概念入的,介紹了信用擔(dān)保的經(jīng)濟(jì)學(xué)理論和風(fēng)險(xiǎn)管理理論。其次,詳細(xì)介紹了該公司主要的風(fēng)險(xiǎn)分類和風(fēng)險(xiǎn)管理體系,通過(guò)分析公司的擔(dān)保業(yè)務(wù)流程,找到其風(fēng)險(xiǎn)管理方面存在的問(wèn)題。最后,結(jié)合美、日兩國(guó)中小企業(yè)信用擔(dān)保機(jī)構(gòu)風(fēng)險(xiǎn)管理的有益經(jīng)驗(yàn),提出了完善該公司風(fēng)險(xiǎn)管理的對(duì)策,從信用評(píng)級(jí)體系的完善、在保項(xiàng)目的動(dòng)態(tài)監(jiān)控、采取靈活的反擔(dān)保措施和建立健全自我監(jiān)管機(jī)制共四個(gè)方面進(jìn)行了詳細(xì)的闡述。同時(shí),為順利實(shí)施上述對(duì)策方案,從公司內(nèi)部法人治理結(jié)構(gòu)、風(fēng)險(xiǎn)管理文化和內(nèi)部激勵(lì)約束機(jī)制三個(gè)方面,提出相應(yīng)的保障措施。 通過(guò)本文的研究,促進(jìn)淚羅市中小企業(yè)信用擔(dān)保公司進(jìn)一步完善內(nèi)部風(fēng)險(xiǎn)管理體系,也為其他信用擔(dān)保機(jī)構(gòu)的風(fēng)險(xiǎn)管理提供了參考和借鑒。
[Abstract]:The construction of credit guarantee institutions is an important part of the construction of credit guarantee system in our country. Through increasing credit to small and medium-sized enterprises, credit guarantee institutions further support the development and growth of small and medium-sized enterprises. Plays an important role in economic and social development. Risk management is the key to the sustainable development of credit guarantee institutions. The study of risk management will play an active role in the development of credit guarantee institutions and the construction of credit guarantee system. Based on the analysis of the risk management situation of the credit guarantee company in Miluo City and the beneficial practical experience of the foreign credit guarantee organizations, this paper puts forward some countermeasures and corresponding safeguard measures to perfect the risk management of the company. From the basic concepts of credit, credit guarantee and credit guarantee organization, this paper introduces the economic theory and risk management theory of credit guarantee. Secondly, it introduces the main risk classification and risk management system of the company in detail. By analyzing the guarantee business process of the company, the problems in risk management are found. Finally, combining with the beneficial experiences of the credit guarantee organizations in the United States and Japan, the author puts forward the countermeasures to perfect the risk management of the company. From the aspects of perfecting credit rating system, dynamic monitoring of insurance project, taking flexible anti-guarantee measures and establishing and perfecting self-supervision mechanism, this paper expounds in detail four aspects. At the same time, in order to carry out the above countermeasures smoothly, From three aspects of corporate governance structure, risk management culture and internal incentive and restraint mechanism, the corresponding safeguard measures are put forward. Through the research of this paper, it promotes the credit guarantee company of small and medium-sized enterprises in Yiluo City to further improve the internal risk management system, and also provides a reference for the risk management of other credit guarantee organizations.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F276.3;F272.3;F832.39

【參考文獻(xiàn)】

相關(guān)期刊論文 前7條

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