發(fā)布時間：2019-04-04 12:44

【摘要】：我國中小企業(yè)數(shù)量連年攀升,這一群體的產(chǎn)值在我國經(jīng)濟總量中的比重也不斷增加,可是受到自身規(guī)模、信用及制度問題的約束,中小企業(yè)長期存在融資難的困境,這限制了他們自身的發(fā)展與壯大。基于此,社會上出現(xiàn)了一些融資擔保機構(gòu),他們憑借自身的經(jīng)濟實力與社會信譽,充當起銀行與中小企業(yè)之間的橋梁,增加了中小企業(yè)融資的可能性,緩解了銀行借貸的壓力。融資性擔保機構(gòu)憑借自身信用提供服務(wù),但也會遇到一定風險,降低風險一直是融資性擔保機構(gòu)的基本目標,其中有效的解決辦法是選擇合適的擔保客戶,從而減少代償率。針對這一問題,為有效控制融資性擔保機構(gòu)面臨的風險問題,設(shè)計出相應(yīng)的企業(yè)風險評級系統(tǒng)就變得十分重要。在本論文中,著重就烏海市融資性擔保機構(gòu)風險評級體系構(gòu)建進行了系統(tǒng)分析與設(shè)計。首先,概述了本論文的研究背景及研究意義;其次,系統(tǒng)記述了基礎(chǔ)理論與進展;再次,針對烏海市擔保行業(yè)的發(fā)展現(xiàn)狀與風險問題進行了詳細論述,引入AHP理論構(gòu)建起風險評價模型,同時基于給出模型指標進行風險評價;最后,選定烏海市A公司為對象作為擔保項目進行實例分析,并制定出控制烏海市A公司擔保項目風險的具體策略。
[Abstract]:The number of small and medium-sized enterprises in China has been rising year by year, and the output value of this group has also been increasing in the total economic volume of our country. However, under the constraints of its own scale, credit and institutional problems, the small and medium-sized enterprises have long-term difficulties in financing. This limits their own development and growth. Based on this, some financing guarantee institutions appear in the society. By virtue of their own economic strength and social reputation, they act as bridges between banks and small and medium-sized enterprises, increasing the possibility of financing small and medium-sized enterprises, and easing the pressure of bank lending. Financing guarantee institutions rely on their own credit to provide services, but also encounter certain risks, risk reduction has been the basic goal of financing guarantee institutions, one of the effective solutions is to choose the right guarantee customers, so as to reduce the rate of indemnification. In order to effectively control the risk problems faced by financing guarantee institutions, it is very important to design the corresponding enterprise risk rating system. In this paper, the risk rating system of financing guarantee institutions in Wuhai City is analyzed and designed systematically. Firstly, the research background and significance of this paper are summarized, secondly, the basic theory and progress are described systematically. Thirdly, this paper discusses the current situation and risk of Wuhai guarantee industry in detail, introduces the AHP theory to construct the risk assessment model, and carries on the risk evaluation based on the given model index at the same time. Finally, Wuhai A Company is selected as an example to analyze the guarantee project, and the concrete strategy to control the risk of Wuhai A Company guarantee project is worked out.
【學位授予單位】：天津工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.39

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本文編號：2453824