發(fā)布時(shí)間：2018-12-26 15:53

【摘要】：近年來,銀行金融機(jī)構(gòu)與融資性擔(dān)保公司業(yè)務(wù)合作規(guī)模不斷擴(kuò)大,特別是在中小企業(yè)信貸業(yè)務(wù)方面,受當(dāng)前經(jīng)濟(jì)環(huán)境不確定、宏觀經(jīng)濟(jì)增速下行壓力加大的影響,中小企業(yè)面臨巨大壓力,擔(dān)保機(jī)構(gòu)經(jīng)營壓力陡增。同時(shí),在資本逐利性的驅(qū)動(dòng)下,全國各地多次爆出多家擔(dān)保機(jī)構(gòu)由于從事高風(fēng)險(xiǎn)投資、高息借貸、非法集資的業(yè)務(wù)而出現(xiàn)擠兌、倒閉的情況,使得擔(dān)保機(jī)構(gòu)從信貸業(yè)務(wù)的防火墻變?yōu)榛鹚幫啊ｃy行作為融資性擔(dān)保機(jī)構(gòu)信貸業(yè)務(wù)方面的合作伙伴,一旦擔(dān)保機(jī)構(gòu)資金鏈出現(xiàn)斷裂,銀行信貸資產(chǎn)的第二還款來源將會(huì)面臨懸空的危險(xiǎn)。因此,進(jìn)一步樹立合作擔(dān)保業(yè)務(wù)中存在的風(fēng)險(xiǎn),加強(qiáng)銀行對擔(dān)保業(yè)務(wù)的管理和控制,對于防范擔(dān)保業(yè)務(wù)風(fēng)險(xiǎn),推動(dòng)信貸業(yè)務(wù)健康、持續(xù)發(fā)展有重要意義。本文從某商業(yè)銀行蘇州分行的合作擔(dān)保業(yè)務(wù)進(jìn)行分析,通過實(shí)例研究、比較研究、定性定量等分析方式,在對某商業(yè)銀行蘇州分行合作擔(dān)保業(yè)務(wù)管理中存在的問題進(jìn)行深入分析,針對這些問題,通過科學(xué)的方法對其進(jìn)行辨識(shí)、分析、評價(jià)。按照業(yè)務(wù)流程、關(guān)鍵風(fēng)險(xiǎn)點(diǎn),從商業(yè)銀行內(nèi)部控制的角度對存在問題進(jìn)行分析,揭示問題在制度設(shè)計(jì)、管理、執(zhí)行方面的根本原因,提出有效的風(fēng)險(xiǎn)防控策略,實(shí)現(xiàn)對銀行合作擔(dān)保業(yè)務(wù)的全面風(fēng)險(xiǎn)管理,以完善某商業(yè)銀行蘇州分行風(fēng)險(xiǎn)管理體系,從而進(jìn)一步提升商業(yè)銀行風(fēng)險(xiǎn)管控水平的進(jìn)一步提升。
[Abstract]:In recent years, the scale of business cooperation between banks and financial institutions and financing guarantee companies has been continuously expanded, especially in the credit business of small and medium-sized enterprises, affected by the uncertainty of the current economic environment and the increasing downward pressure on macroeconomic growth. Small and medium-sized enterprises are faced with enormous pressure, guarantee agency management pressure increases sharply. At the same time, driven by the pursuit of capital and interest, several times throughout the country, a number of guarantee organizations broke out and closed down because of their business of engaging in high-risk investment, high-interest loans, and illegal fund-raising. Make the guarantee agency from the firewall of the credit business into a powder keg. As a partner in the credit business of the financing guarantee institution, once the guarantee agency's capital chain breaks, the second source of repayment of the bank's credit assets will be in danger of being left blank. Therefore, it is of great significance to set up the risks in the cooperative guarantee business and strengthen the management and control of the guarantee business in the bank, to prevent the risk of the guarantee business, to promote the healthy and sustainable development of the credit business. This paper analyzes the cooperative guarantee business of Suzhou branch of a commercial bank, through case study, comparative study, qualitative and quantitative analysis, etc. The problems existing in the management of cooperative guarantee business of a commercial bank in Suzhou Branch are analyzed in depth, and the identification, analysis and evaluation of these problems are carried out through scientific methods. According to the business process and the key risk points, this paper analyzes the existing problems from the perspective of internal control of commercial banks, reveals the root causes of the problems in system design, management and implementation, and puts forward effective risk prevention and control strategies. In order to perfect the risk management system of Suzhou Branch of a commercial bank and further enhance the level of risk control of commercial banks, the comprehensive risk management of the cooperative guarantee business of banks can be realized in order to perfect the risk management system of Suzhou Branch of a commercial bank.
【學(xué)位授予單位】：西南科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.2

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1 錢震寧;;商業(yè)銀行與擔(dān)保公司業(yè)務(wù)合作的成效、問題及思考——基于對合肥農(nóng)村城市商業(yè)銀行的調(diào)研[J];華東經(jīng)濟(jì)管理;2009年10期

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本文編號(hào)：2392345