本文選題：融資擔保 + 風險評估��； 參考：《電子科技大學》2014年碩士論文

【摘要】：近年來,我國融資擔保行業(yè)蓬勃發(fā)展,相關(guān)法律法規(guī)不斷完善,也涌現(xiàn)出了很多擔保項目風險管理理論研究成果,但是融資擔保公司實際運營過程中,仍有大量因擔保項目風險管理不完善而導致企業(yè)損失的事件發(fā)生,很多擔保項目的決策過程不科學,甚至簡單通過拍腦袋來決定。尤其是筆者所在的新疆地區(qū),一方面享受了國家政策扶持帶來的經(jīng)濟快速發(fā)展,融資擔保行業(yè)迅速壯大,另一方面也暴露出擔保項目風險管理方式不完善的弊端。融資擔保行業(yè)屬于高風險行業(yè),如果在風險管理過程中稍有不慎就可能導致嚴重的后果,因此控制擔保項目風險是各項工作的重中之重。本文在分析國內(nèi)外關(guān)于擔保項目風險研究現(xiàn)狀的基礎(chǔ)上,結(jié)合新疆地區(qū)融資擔保行業(yè)發(fā)展現(xiàn)狀和CHD公司的實際情況,以風險評估和風險控制理論為指導,研究了CHD公司融資擔保項目風險管理方法,并進行了實證研究。本文綜合運用了文獻法、德爾菲法、問卷調(diào)查法、兩兩比較法、層次分析法等研究方法,從財務(wù)風險指標、企業(yè)基本經(jīng)營風險、市場風險、外部環(huán)境風險、信用風險、其他風險六個角度構(gòu)建了風險評估體系,為了便于對風險大小進行量化評估,又分別對各個風險提出了評價指標,其中財務(wù)風險指標、企業(yè)基本經(jīng)營風險和市場風險的評價指標為5個,外部環(huán)境風險、信用風險和其他風險的評價指標為3個,并對各個指標的權(quán)重和得分值進行了研究,對于融資擔保項目,風險評價得分越高意味著項目風險越大,反之則越小。同時以COSO提出的風險規(guī)避、風險降低、風險分散和風險留存四個風險控制策略,結(jié)合擔保項目擔保申請、項目風險評估、合同簽訂、保后監(jiān)管的實際工作流程,提出了相應(yīng)的風險控制策略。本文的研究成果以CHD公司為基礎(chǔ),但是在整個新疆地區(qū)都具有很強的代表性,在實際操作過程中,具有很強的實用性和指導性。有利于降低擔保公司在實際經(jīng)營中的風險管理和風險控制。
[Abstract]:In recent years, the financing guarantee industry of our country has developed vigorously, the related laws and regulations have been improved constantly, and a lot of theoretical research achievements have emerged in the risk management of the guarantee project, but in the actual operation process of the financing guarantee company, There are still a large number of business losses caused by imperfect risk management of the guarantee project, many of the guarantee project decision-making process is not scientific, even simply by patting the head to decide. On the one hand, the Xinjiang region, where the author is located, enjoys the rapid economic development brought by the state policy support, and the financing guarantee industry grows rapidly, on the other hand, it also exposes the defects of the imperfect risk management methods of the guarantee project. Financing guarantee industry is a high-risk industry, if the risk management process is a little careless may lead to serious consequences, so controlling the guarantee project risk is the most important work. Based on the analysis of the domestic and foreign research on the risk of the guarantee project, combined with the current situation of financing guarantee industry in Xinjiang and the actual situation of CHD Company, this paper is guided by the theory of risk assessment and risk control. This paper studies the risk management method of financing guarantee project in CHD Company, and makes an empirical study. This paper synthetically uses the methods of literature, Delphi, questionnaire, pairwise comparison, analytic hierarchy process, and so on, from the financial risk index, the enterprise basic management risk, the market risk, the external environment risk, the credit risk, etc. The risk assessment system is constructed from six other risk angles. In order to make quantitative assessment of the risk, the evaluation index of each risk is put forward separately, including the financial risk index, the financial risk index, the financial risk index, the financial risk index and the financial risk index. The evaluation index of basic operating risk and market risk is 5, external environment risk, credit risk and other risk evaluation index is 3, and the weight and score value of each index are studied, for financing guarantee project, The higher the risk evaluation score, the greater the project risk and vice versa. At the same time, with the four risk control strategies proposed by COSO, such as risk avoidance, risk reduction, risk dispersion and risk retention, combined with the actual workflow of guarantee application, project risk assessment, contract signing and post-insurance supervision, The corresponding risk control strategy is put forward. The research results of this paper are based on CHD Company, but they are very representative in the whole Xinjiang area, and have strong practicability and guidance in the actual operation process. It is beneficial to reduce the risk management and risk control of the guarantee company in the actual operation.
【學位授予單位】：電子科技大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.39
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本文編號：1776361