【摘要】：融資擔(dān)保業(yè)是為解決中小企業(yè)融資難、優(yōu)化資源配置、推動(dòng)國(guó)民經(jīng)濟(jì)進(jìn)一步發(fā)展而興起的。該行業(yè)的中小企業(yè)客戶群財(cái)務(wù)不規(guī)范特征明顯，因而是集風(fēng)險(xiǎn)與收益為一體卻又極度不配比。目前，國(guó)內(nèi)外關(guān)于擔(dān)保評(píng)估的研究主要是資信評(píng)估，較少涉及反擔(dān)保措施評(píng)估，對(duì)兩者結(jié)合的系統(tǒng)研究更少。因此，為促進(jìn)擔(dān)保業(yè)的發(fā)展，應(yīng)對(duì)擔(dān)保項(xiàng)目風(fēng)險(xiǎn)進(jìn)行全面科學(xué)的評(píng)估。本文以J擔(dān)保機(jī)構(gòu)項(xiàng)目S的擔(dān)保評(píng)估為研究對(duì)象，對(duì)推動(dòng)擔(dān)保業(yè)項(xiàng)目風(fēng)險(xiǎn)管理具有重要意義。 首先，文章闡述了信用擔(dān)保評(píng)估的相關(guān)理論，包含資信評(píng)估與反擔(dān)保措施評(píng)估，并在此過(guò)程中對(duì)我國(guó)擔(dān)保機(jī)構(gòu)實(shí)際操作中的擔(dān)保評(píng)估模式做了詳細(xì)介紹，分析了業(yè)務(wù)操作和風(fēng)險(xiǎn)控制方面的不足。接著，深入分析了S公司融資貸款的信用擔(dān)保背景情況，包括S公司的資信情況和財(cái)務(wù)情況。然后，結(jié)合本次研究目的，從資信評(píng)估與反擔(dān)保措施評(píng)估兩個(gè)角度出發(fā)，探究了J擔(dān)保機(jī)構(gòu)在信用擔(dān)保項(xiàng)目評(píng)估時(shí)的評(píng)估過(guò)程與評(píng)估方法。最后，從非技術(shù)層面與技術(shù)層面分別提出改進(jìn)建議。本文認(rèn)為應(yīng)加大擔(dān)保行業(yè)協(xié)會(huì)、政府機(jī)構(gòu)及擔(dān)保機(jī)構(gòu)三者在評(píng)估引導(dǎo)、評(píng)估規(guī)范、評(píng)估操作等方面的管理力度。同時(shí)在評(píng)估過(guò)程中，要根據(jù)不同項(xiàng)目的特殊環(huán)境注意資信評(píng)估的資料調(diào)取和分析，并細(xì)化資信評(píng)分過(guò)程；在反擔(dān)保措施評(píng)估方面，不應(yīng)局限于某一種絕對(duì)的評(píng)估方法，，強(qiáng)調(diào)要以資信評(píng)估結(jié)論為基礎(chǔ)，結(jié)合不同的評(píng)估假設(shè)、擔(dān)保期限及反擔(dān)保資產(chǎn)所處城市環(huán)境背景為因素，以抵押價(jià)值類型為評(píng)估前提，選擇適當(dāng)?shù)脑u(píng)估方法。
[Abstract]:Financing guarantee industry is to solve the financing difficulties of SMEs, optimize the allocation of resources, and promote the further development of the national economy. The characteristics of financial irregularities of small and medium-sized enterprises in this industry are obvious, so it is a combination of risk and income, but extremely out of proportion. At present, the domestic and foreign research on guarantee evaluation is mainly credit evaluation, less involved in the evaluation of anti-guarantee measures, and less systematic research on the combination of the two. Therefore, in order to promote the development of guarantee industry, guarantee project risk should be comprehensively and scientifically assessed. This paper takes the guarantee evaluation of J guarantee institution project S as the research object, which is of great significance to promote the risk management of guarantee industry project. First of all, the paper describes the relevant theories of credit guarantee evaluation, including credit assessment and anti-guarantee measures evaluation, and in the process of the guarantee agencies in China in the actual operation of the security evaluation model made a detailed introduction. The shortcomings of business operation and risk control are analyzed. Then, the paper analyzes the credit guarantee background of S Company, including S Company's credit and financial situation. Then, combined with the purpose of this study, this paper probes into the evaluation process and evaluation method of J guarantee institution in the evaluation of credit guarantee project from the two angles of credit rating and counter-guarantee measure evaluation. Finally, the improvement suggestions are put forward from the non-technical level and the technical level respectively. This paper holds that the management of guarantee industry associations, government agencies and guarantee agencies should be strengthened in the aspects of evaluation guidance, evaluation norms, evaluation operations, and so on. At the same time, in the evaluation process, attention should be paid to obtaining and analyzing the information of credit assessment according to the special circumstances of different projects, and to refining the credit rating process. In the evaluation of counter-guarantee measures, it should not be limited to one kind of absolute evaluation method. It is emphasized that based on the conclusion of credit evaluation, combined with different evaluation assumptions, the guarantee period and the urban environment background of the anti-secured assets, and taking the type of mortgage value as the premise, the appropriate evaluation method should be selected.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4;F276.3

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