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论文编号：	10254
作者编号：	2120132530
上传时间：	2018/6/19 11:11:48
中文题目：	担保圈风险管理研究：以BZ担保圈为例
英文题目：	Research on The Risk Management of The Guarantee Circle：Case Study of BZ Guarantee Circle
指导老师：	牛建波
中文关键字：	商业银行；担保圈；风险管理
英文关键字：	Commercial Banks; Guarantee Circle; Risk Management
中文摘要：	伴随着市场经济的不断发展，企业尤其是民营企业为了做大做强，迫切需要外部融资，而以担保的方式获得银行贷款无疑是众多融资方式中成本最低，门槛最低的。与此同时，作为贷款人，各银行为满足企业融资需要，完成经营业绩指标要求，对担保类贷款也并没有做任何有效限制，企业担保贷款得以快速发展，企业间的相互担保行为也越来越多,担保圈逐渐形成。但由于内外部因素影响，担保圈风险开始暴露，并逐渐蔓延，给商业银行、当地经济发展都造成了巨大损失。本文通过查阅大量文献，了解掌握国内外学者对担保圈及其风险形成的理论研究。通过理论学习，结合实际情况，提出了担保圈主要形成原因，即市场经济发展、各类组织推动、供应链融资需求、中国传统文化影响。随后，本文从商业银行角度以BZ担保圈风险处置为例分析了担保圈风险以及其成因，并提出了银行主导、政府配合管控的新思路，总结出一套商业银行控制担保圈风险的可行性方案。即形成合力、解决银企信息不对称问题；严格担保圈评级标准，实施分类管控；设立贷款周转流动基金，增进银、政、企互信，加快破产重整进度，隔断担保圈风险传递性；加强银政协调，维护债权人合法权益；加强学习、提升专业队伍专业能力。希望通过本文的研究，对商业银行如何正确应对、处理担保圈风险有所启迪
英文摘要：	Along with the continuous development of market economy, enterprises especially the ear is a private enterprise to do bigger and stronger, urgent need for external financing, and get a bank loan in the form of guarantee without is lowest cost in many way of melting, minimum threshold. At the same time, as lender, to meet the needs of the corporate finance, Banks do business performance index requirements, to guarantee loans string nor do any effective restriction, the enterprise loan guarantees to quickly find, mutual guarantee behavior between enterprises more and more, guarantee circle formation. But in the economic downward legs, assure the risk that the circle began to exposure, chase and spread, because of its relevance, transmissibility, harm is bigger, financial institutions and the local have caused huge losses. In this paper, a large number of literatures have been consulted to understand the theoretical research on the formation of guarantee circles and their risks by scholars at home and abroad. Through theoretical study and practical situation, the main reasons for the guarantee circle are put forward, namely, market economy development, various organization promotion, supply chain financing demand, and traditional Chinese cultural influence. Then, based on the useful the bank risk control BZ guarantee circle as an example to analyze the risk guarantee circle and its causes, and put forward the bank leading, government cooperate to control a new train of thought, summed up a set of commercial bank risk control guarantee circle the feasibility of the scheme. That is, to form synergy and solve the problem of information asymmetry; Strict rating standards and implementation of classified control; Strengthen the ability to resist risks and set up a revolving fund for loans; Unified bankruptcy reorganization idea, partition guarantee ring risk transfer; We will strengthen coordination between Banks and the government and safeguard the legitimate rights and interests of creditors; Strengthen the study, improve professional team professional ability. It is hoped that the research of this paper will enlighten commercial Banks on how to correctly handle and deal with the risks of guarantee circle.
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