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论文编号：	11054
作者编号：	2320170777
上传时间：	2019/12/4 20:03:54
中文题目：	TJ农担公司的担保风险管理研究
英文题目：	Research on Guarantee Risk Management of TJ Agriculture Guarantee Company
指导老师：	刘志远
中文关键字：	农业信贷担保；省级农担公司；担保风险管理
英文关键字：	Agricultural credit guarantee；Provincial farm guarantee company； Guarantee risk management
中文摘要：	为创新财政支农方式，增强财政支农效应，引导更多金融资本投入农业，解决农业“融资难”“融资贵”问题，国家自2015年开始陆续印发多份政策文件，启动全国农担体系的建设工作，服务方向聚焦于小微农业经营主体。按照文件要求，成立较早的省级农担公司开始担保业务的转型。部分省级农担公司在转型期间暴露了较多风险，面临很大的风险管理压力。风险管理是担保公司的生命线，农业担保风险管理的成败不仅关系到省级农担公司的生存发展，更是评价农业担保政策效应的重要依据。为推动全国农担体系的持续健康发展，国家农担公司密切关注省级农担公司的担保风险管理情况，不断完善全国农担体系的风险管理评价体系。本文以TJ农担公司为例，对转型期间省级农担公司出现的担保风险管理问题进行研究。在对担保风险管理理论和全国农担体系风险管理情况进行梳理的基础上，从省级农担公司担保风险管理指标的变动情况出发，查找引起风险管理指标变化的主要因素，对省级农担公司的担保风险管理工作存在的具体问题进行分析，为改善担保风险管理提出建议。通过本文分析可以得出结论：风险管理政策应保持统一性和稳定性；发展可以为化解风险争取时间和空间，是解决问题的最好方法；成功的风险管理应该能够降低管理成本；应综合性的运用多种风险应对策略以降低整体风险水平。作为成立较早的省级农担公司，TJ农担公司在转型期间出现的风险管理问题具有代表性。研究TJ农担公司风险管理问题有助于解决省级农担公司的风险管理难题，推动全国农业信贷担保风险管理模式的进一步完善。
英文摘要：	In order to create new ways of financial support for agriculture, to increase the effect of financial support for agriculture, to guide more financial capital into agriculture, and to solve the problem of "difficult financing" and "expensive financing" in agriculture, the state has issued a number of policy documents since 2015, and initiated the construction of a national system of agricultural guarantee. The service direction focuses on the small and micro agricultural business entities. In accordance with the requirements of the document, the earlier provincial farm guarantee company began to transform the guarantee business. Some provincial farm guarantee company exposed more risks during the transition period and faced great risk management pressure. Risk management is the lifeline of the guarantee company. The success or failure of agricultural guarantee risk management is not only related to the survival and development of the provincial agricultural guarantee company, but also an important basis for evaluating the effect of agricultural guarantee policy. In order to promote the sustainable and healthy development of the National farm guarantee system, the State Agricultural Credit Guarantee Alliance Co,LTD pays close attention to the guarantee risk management situation of the provincial farm guarantee company, and continuously improves the risk management evaluation system of the National farm guarantee system. This paper takes TJ Agricultural Guarantee company as an example to study the problem of guarantee risk management in provincial farm guarantee company during the transition period. On the basis of combing up the theory of guarantee risk management and the risk management situation of the National farm guarantee system, starting from the changes in the risk management indicators of the provincial farm guarantee companies, we will find out the main factors that cause the changes in risk management indicators. This paper analyzes the specific problems in the guarantee risk management of the provincial farm guarantee company and puts forward some suggestions for improving the guarantee risk management. Through the analysis of this paper, we can draw a conclusion: risk management policy should maintain uniformity and stability; development can gain time and space for risk resolution and is the best way to solve the problem; successful risk management should reduce management costs; multiple risk strategies should be used comprehensively to reduce the overall risk level. As an earlier provincial farm guarantee company, TJ farm guarantee company's risk management issues during the transition period are representative. To study the risk management of TJ farm guarantee company is helpful to solve the risk management problems of provincial farm guarantee company, and to further improve the risk management model of agricultural credit guarantee.
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