联系我们

论文查询结果	返回搜索

论文编号：	11725
作者编号：	2320170333
上传时间：	2020/6/20 5:21:10
中文题目：	T担保公司政策性担保业务的风险应对策略研究
英文题目：	Research on Risk Coping Strategies of Policy Guarantee Business of T Guarantee Company
指导老师：	胡望斌
中文关键字：	风险防范；风险分散；担保机构
英文关键字：	risk prevention;risk diversification;guarantee companies
中文摘要：	为解决中小企业融资贵、融资难问题，政府会出资设立担保公司开展政策性 担保业务来扶持帮助中小企业。政府主导下的担保公司的政策性担保业务拥有管 理较为规范、制度相对健全的优势，但同时也面对着变通空间小、责任负担大、 政府干预多、专业性不足的困境，这也造成了政策性担保机构的风险出现、扩大 及难以化解。 但政策性担保业务的开展是势在必行的。中小企业在我国市场中，是保证市 场发展活力的中坚力量，但是中小型企业在进行融资时，因为自身抗风险能力较 差的原因，难以获得良好的融资环境。针对这一问题，建立相应的信用担保机构， 对于改善我国中小型企业融资难有着巨大的帮助，是能够促进我国经济发展活力 的有效手段。 这就要求必须加强开展政策性业务的担保公司的风险管理，以更好地应对及 化解公司所面临的风险，保障这类公司的健康持续运营。本文在研究政策性担保 公司风险管理这一问题时，以 T 担保公司为例，从 T 担保公司的发展路径进行分 析，根据 T 担保公司开展政策性担保业务实际，运用故障树方法对风险因素进行 识别，并进行深层性探析，从而总结出一些关于提升 T 担保公司风险管理能力的 建议和措施。具体而言，这些措施主要是从 T 担保公司业务进行的流程，也就是 保前、保中、保后三个方面入手，期望可以给其余担保机构在开展业务时起到一 定的借鉴意义。
英文摘要：	With the aim of alleviating financing difficulties and reducing high financing costs, the government will fund guarantee companies to conduct policy-backed guarantee business to assist medium and small-sized enterprises. On one hand, some advantages of policy-backed guarantee business conducted by government-led guarantee companies include a well-regulated administration and a well-established system. On the other hand, the disadvantages are inflexibility, the burden of demanding responsibilities, excessive government intervention and the lack of professionality, which causes and increases risks faced by policy-backed guarantee companies. However, it is imperative to conduct policy-backed guarantee business. Regarded as the backbone of domestic market, small and medium-sized enterprises play a significant role in ensuring market vitality. When it comes to financing, those enterprises find it hard to access good financing environment due to their risk-management inability. In face of this situation, corresponding credit guarantee structure should be established to help solve the financing difficulties faced by small and medium-sized enterprises and effectively vitalise the country’s economy. This requires guarantee companies which conduct policy-backed guarantee business to enhance their risk-management in order to better cope with and overcome risks and ensure ongoing and smooth operation. Studying on risk management for policy-backed guarantee companies, this article takes company T as an example and analyses the development path. Based on an in-depth analysis of policy-backed guarantee business chosen by company T, using the fault tree method to identify the risk factors and carry out a deep analysis，the article makes a summary of some suggestion and measures that can improve this company’s risk management ability. To be more specific, these measures take into account three business processes (before the business, during the business and after the business). Hopefully, other guarantee companies can learn from these measures and find these measures meaningful.
查看全文：	预览  下载(下载需要进行登录)