本文選題：融資擔(dān)保公司 + 信用擔(dān)保　； 參考：《華南理工大學(xué)》2012年碩士論文

【摘要】：融資擔(dān)保公司在中國(guó)尚屬新生事物，其功能發(fā)揮和自身的持續(xù)發(fā)展，涉及到運(yùn)作體系結(jié)構(gòu)、管理經(jīng)驗(yàn)、政策決定、風(fēng)險(xiǎn)分擔(dān)與防范等一系列問(wèn)題，其中信用擔(dān)保風(fēng)險(xiǎn)管理與控制是最為核心的問(wèn)題。信用擔(dān)保是國(guó)際上公認(rèn)的高風(fēng)險(xiǎn)行業(yè)，信用擔(dān)保公司是為中小企業(yè)提供融資擔(dān)保的專門機(jī)構(gòu)，且在一定程度上體現(xiàn)出國(guó)家政策的扶持性，其高風(fēng)險(xiǎn)特征尤其明顯。如果缺乏有效的風(fēng)險(xiǎn)管理措施，融資擔(dān)保公司就有可能成為信用風(fēng)險(xiǎn)的“集合體”，賠償損失的“歸集地”，導(dǎo)致融資擔(dān)保公司陷入難以為繼的困境。因此，建立專業(yè)化的信用風(fēng)險(xiǎn)管理能力，對(duì)于擔(dān)保機(jī)構(gòu)的健康持續(xù)發(fā)展和功能發(fā)揮至關(guān)重要。 本文對(duì)A融資擔(dān)保公司信用擔(dān)保風(fēng)險(xiǎn)做了較為深入的研究，力求完善A融資擔(dān)保機(jī)構(gòu)的信用風(fēng)險(xiǎn)評(píng)價(jià)及內(nèi)控機(jī)制，為推動(dòng)我國(guó)中小企業(yè)融資擔(dān)保機(jī)構(gòu)風(fēng)險(xiǎn)評(píng)價(jià)、風(fēng)險(xiǎn)控制體系建設(shè)以及風(fēng)險(xiǎn)管理水平提供參考。 論文在信用擔(dān)保風(fēng)險(xiǎn)管理理論基礎(chǔ)上，針對(duì)中小企業(yè)信用擔(dān)保風(fēng)險(xiǎn)管理的特殊性、重要性，研究了具有針對(duì)性的風(fēng)險(xiǎn)管理方法。它不是傳統(tǒng)的主觀判斷方法，而是一種系統(tǒng)工具，綜合分析了A融資擔(dān)保公司信用擔(dān)保風(fēng)險(xiǎn)的各種影響因素，采用定性與定量相結(jié)合的方法，建設(shè)和優(yōu)化A融資擔(dān)保公司信用擔(dān)保風(fēng)險(xiǎn)管理機(jī)制，分析評(píng)價(jià)擔(dān)保項(xiàng)目的風(fēng)險(xiǎn)問(wèn)題，，并構(gòu)建了A融資擔(dān)保公司信用擔(dān)保風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系。
[Abstract]:Financing Guarantee Corporation in China is still a new thing, its function and its own continuous development, involving a series of problems such as the structure of the operation system, management experience, policy decision, risk sharing and prevention, among which credit guarantee risk management and control are the most core issues. Credit guarantee is a highly risk industry recognized internationally, credit guarantee. Guarantee Corporation is a specialized agency for providing financing guarantee for small and medium-sized enterprises, and to a certain extent it embodies the support of national policy. Its high risk characteristics are especially obvious. If lack of effective risk management measures, the financing Guarantee Corporation is likely to become a "aggregate" of credit risk and the "aggregate" of the compensation for the loss. Therefore, the establishment of professional credit risk management ability is of vital importance to the healthy and sustained development and function of the security organization.
This paper makes a more in-depth study on the risk of A financing Guarantee corporation credit guarantee, and strives to improve the credit risk evaluation and internal control mechanism of the A financing guarantee institutions, and provide reference for the risk assessment, the construction of risk control system and the risk management level of the financing guarantee institutions of small and medium-sized enterprises in China.
On the basis of the theory of credit guarantee risk management, aiming at the particularity and importance of the credit guarantee risk management of small and medium-sized enterprises, this paper studies the targeted risk management method. It is not a traditional subjective judgment method, but a systematic tool. It analyzes the various influence factors of the risk of A financing Guarantee corporation credit guarantee. By combining the qualitative and quantitative methods, the risk management mechanism of the A financing Guarantee corporation credit guarantee is constructed and optimized, the risk of the guarantee project is analyzed and evaluated, and the risk evaluation index system of the A financing Guarantee corporation credit guarantee is constructed.
【學(xué)位授予單位】：華南理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.39

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