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论文编号：	11439
作者编号：	2320170515
上传时间：	2019/12/16 10:21:55
中文题目：	KR融资担保公司风险管理研究
英文题目：	Research on Risk Management of KR Finance Guarantee Company
指导老师：	姚颐
中文关键字：	融资担保；风险管理；再担保；国有担保机构
英文关键字：	Financing Guarantee; Risk Management; Re guarantee; State-owned Guarantee Institutions
中文摘要：	目前，从我国小微企业融资担保统计数据来看，无论是全国范围还是地区范围，担保机构每年覆盖的中小微企业户数不足5%，与国外发达国家相比差距还很大，因此，在有效防范控制系统性风险、保持自身可持续发展前提下，如何最大限度扩大业务覆盖面，满足更多需要担保支持的企业，应该是融资担保机构追求的目标。我国国有担保机构普遍是按照“政府出资、政策引导、企业化管理、市场化运作”基本原则设立运营的，目的是解决在现有金融机构的风险政策下中小微企业融资难、融资贵的问题。融资担保机构在运营过程中遇到的风险问题较为复杂，不仅会和企业的具体经营情况有关，也与宏观经济状态有关，同时也与担保机构自身的风险管理能力有关。目前我国宏观经济背景就是中国经济发展现已进入新常态时期，即经济发展由高速增长转为中高速增长，经济结构不断优化升级，经济动力由要素驱动、投资驱动专项创新驱动的时期，经济新常态的到来令过去很多传统产业领域原本经营良好的企业面临着新的结构性挑战，给融资担保行业的风险控制带来了新的挑战，同时也造成了融资担保机构的代偿率逐年提高的现象。本文以KR担保公司的风险管理问题作为研究对象，对担保公司的业务流程进行梳理，由于每个阶段所面临的风险问题都不相同，所涉及的人员职责也都不同，对应的风险管理方式也都有所区别，本文将KR融资担保公司的业务流程分为保前、保中、保后三个阶段。本文运用理论与实际案例结合的方法、文献研究法、定性与定量分析法以及综合分析法等研究方法，将信息不对称理论、信贷配给理论以及科技型企业生命周期理论应用到研究过程中，对这三个阶段的风险管理问题进行了详细研究，并针对性的提出了改进措施建议。
英文摘要：	At present, the statistical survey of small and micro enterprises shows that these corporations have less than 5% guarantee coverage each year which is far behind that of foreign developed countries. Therefore, under the premise of effectively guarding against systematic risks and maintaining its sustainable development, it should be a widely shared goal for guarantee institutions to expand the operation scope as well as give full play to the leverage of government funds. China's state-owned guarantee institutions are generally operated based on principles of "government investment, policy guidance, enterprise management and market-oriented operation", with the purpose of solving the problem of financing difficulty and high cost of small and medium-sized micro enterprises under the risk policy of existing financial institutions. The risk problems encountered by financing guarantee institutions in the course of operation are more complex, not only related to the specific business situation of the enterprise, but also related to the macroeconomic status and the risk management ability of guarantee institutions themselves. At present, China's macro-economic has entered a new normal period, that is, the high-speed growth turns into medium-speed growth ,the factor-driven,finance-driven turns into innovation-driven with the continuous optimization and upgrading of economic structure. The arrival of new normal makes many previously well run enterprises in traditional industrial fields face structural challenges and causes the phenomenon that the compensation rate of financing guarantee institutions increases year by year. In this paper, the information asymmetry theory, credit rationing theory and technology-based enterprise life cycle theory are applied to the research process by using the methods of analysing theory with practical cases, literature research, qualitative and quantitative analysis and comprehensive analysis. The risk management problems in these three stages are studied in detail, and the improvement measures and suggestions are put forward.
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