本文選題：融資擔(dān)保 + 風(fēng)險(xiǎn)評(píng)估�。� 參考：《電子科技大學(xué)》2014年碩士論文

【摘要】：近年來,我國(guó)融資擔(dān)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(dān)保項(xiàng)目風(fēng)險(xiǎn)管理理論研究成果,但是融資擔(dān)保公司實(shí)際運(yùn)營(yíng)過程中,仍有大量因擔(dān)保項(xiàng)目風(fēng)險(xiǎn)管理不完善而導(dǎo)致企業(yè)損失的事件發(fā)生,很多擔(dān)保項(xiàng)目的決策過程不科學(xué),甚至簡(jiǎn)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(guó)家政策扶持帶來的經(jīng)濟(jì)快速發(fā)展,融資擔(dān)保行業(yè)迅速壯大,另一方面也暴露出擔(dān)保項(xiàng)目風(fēng)險(xiǎn)管理方式不完善的弊端。融資擔(dān)保行業(yè)屬于高風(fēng)險(xiǎn)行業(yè),如果在風(fēng)險(xiǎn)管理過程中稍有不慎就可能導(dǎo)致嚴(yán)重的后果,因此控制擔(dān)保項(xiàng)目風(fēng)險(xiǎn)是各項(xiàng)工作的重中之重。本文在分析國(guó)內(nèi)外關(guān)于擔(dān)保項(xiàng)目風(fēng)險(xiǎn)研究現(xiàn)狀的基礎(chǔ)上,結(jié)合新疆地區(qū)融資擔(dān)保行業(yè)發(fā)展現(xiàn)狀和CHD公司的實(shí)際情況,以風(fēng)險(xiǎn)評(píng)估和風(fēng)險(xiǎn)控制理論為指導(dǎo),研究了CHD公司融資擔(dān)保項(xiàng)目風(fēng)險(xiǎn)管理方法,并進(jìn)行了實(shí)證研究。本文綜合運(yùn)用了文獻(xiàn)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(cái)務(wù)風(fēng)險(xiǎn)指標(biāo)、企業(yè)基本經(jīng)營(yíng)風(fēng)險(xiǎn)、市場(chǎng)風(fēng)險(xiǎn)、外部環(huán)境風(fēng)險(xiǎn)、信用風(fēng)險(xiǎn)、其他風(fēng)險(xiǎn)六個(gè)角度構(gòu)建了風(fēng)險(xiǎn)評(píng)估體系,為了便于對(duì)風(fēng)險(xiǎn)大小進(jìn)行量化評(píng)估,又分別對(duì)各個(gè)風(fēng)險(xiǎn)提出了評(píng)價(jià)指標(biāo),其中財(cái)務(wù)風(fēng)險(xiǎn)指標(biāo)、企業(yè)基本經(jīng)營(yíng)風(fēng)險(xiǎn)和市場(chǎng)風(fēng)險(xiǎn)的評(píng)價(jià)指標(biāo)為5個(gè),外部環(huán)境風(fēng)險(xiǎn)、信用風(fēng)險(xiǎn)和其他風(fēng)險(xiǎn)的評(píng)價(jià)指標(biāo)為3個(gè),并對(duì)各個(gè)指標(biāo)的權(quán)重和得分值進(jìn)行了研究,對(duì)于融資擔(dān)保項(xiàng)目,風(fēng)險(xiǎn)評(píng)價(jià)得分越高意味著項(xiàng)目風(fēng)險(xiǎn)越大,反之則越小。同時(shí)以COSO提出的風(fēng)險(xiǎn)規(guī)避、風(fēng)險(xiǎn)降低、風(fēng)險(xiǎn)分散和風(fēng)險(xiǎn)留存四個(gè)風(fēng)險(xiǎn)控制策略,結(jié)合擔(dān)保項(xiàng)目擔(dān)保申請(qǐng)、項(xiàng)目風(fēng)險(xiǎn)評(píng)估、合同簽訂、保后監(jiān)管的實(shí)際工作流程,提出了相應(yīng)的風(fēng)險(xiǎn)控制策略。本文的研究成果以CHD公司為基礎(chǔ),但是在整個(gè)新疆地區(qū)都具有很強(qiáng)的代表性,在實(shí)際操作過程中,具有很強(qiáng)的實(shí)用性和指導(dǎo)性。有利于降低擔(dān)保公司在實(shí)際經(jīng)營(yíng)中的風(fēng)險(xiǎn)管理和風(fēng)險(xiǎn)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(xué)位授予單位】：電子科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.39
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本文編號(hào)：1776361