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论文编号：	12506
作者编号：	2220160644
上传时间：	2021/6/14 18:45:16
中文题目：	海南XLS担保公司业务风险管理优化研究
英文题目：	Research on Optimization of Guarantee Risk Management in Hainan XLS Guarantee Co., Ltd.
指导老师：	黄福广
中文关键字：	商业担保;风险识别;风险管理
英文关键字：	Guarantee institution；Risk identification；Enterprise-wide risk management
中文摘要：	同西方国家民营企业发展相比，中国企业尤其是民营企业普遍存在着生存周期短的问题，而在西方国家拥有着数百年历史的民营企业却屡见不鲜。究其原因：一是中国民营企业发展历史短，中国民营企业蓬勃发展于20世纪80年代后；二是中国民营企业自身普遍存在公司管理不规范、抵御市场风险能力与经验不足问题，导致企业破产消亡。当宏观经济处于快速增长的活跃阶段时，中国民营企业普遍能从好的市场环境中获得理想的经济收益；而当宏观经济收缩不景气时，中国民营企业面临的经济环境愈发复杂，经营风险增多，进而导致了诸多企业无法抵御市场风险而发生了大量的破产情况。 在我国，民营企业由于其规模小、自身经济实力偏弱、缺乏信用担保等问题往往被商业信贷拒之门外，在此情况下担保行业顺应市场需求而获得了蓬勃发展。但由于我国现代担保行业发展的时间较短，担保行业企业多为民营资本，业务经验略显不足，导致了在担保业务中频频出现借贷人跑路、逾期偿款等问题，给民营担保企业的发展带来严重的不利影响。海南XLS担保公司是一家有着十多年发展历史的地方性民营担保公司，随着公司业务规模的不断扩大，企业面临的担保业务风险越来越多，亟待公司优化业务风险管理水平，提高公司业务风险抵抗能力，确保公司长期安全经营。在此背景下，本文提出了“海南XLS担保有限公司担保业务风险管理优化研究”这个研究题目。 本文在对海南XLS担保公司的业务风险管理现状进行摸底调查后，通过实地访谈及问卷调查等方式对海南XLS担保公司业务风险管理工作中存在的问题进行梳理和总结。进而，笔者通过学习研究国内外已有风险管理的相关理论、具体操作流程、企业风险管理实证研究等文献，寻找适合海南XLS担保公司业务风险管理优化的方法及措施。最后，笔者综合运用多种风险管理理论的相关内容及操作工具对海南XLS担保公司现有业务风险管理工作进行了系统性优化改进，并从优化操作风险应对措施、优化系统性业务风险应对措施和优化公司信息沟通体系等方面提出了优化方案实施的保障措施。在结论部分，笔者总结提出了加强公司风险管理是公司全体员工的重要责任、公司风险管理要注重全流程的风险监控和预防、人才是现代企业持续经营发展的立身根本等4条一般性结论，以期为其他民营商业担保公司在优化业务风险管理工作时提供相关参考。
英文摘要：	The primary prerequisite for enterprise development is to be able to survive for a long time in the market. Compared with Western developed countries, Chinese companies generally have a short lifespan, and there are many century-old companies in Western countries. Investigating the reasons, the first reason is the short development history of Chinese private enterprises, and the second reason is the bankruptcy and demise of Chinese private enterprises due to their own general irregular management and insufficient ability to resist market risks. When the overall market conditions are good, most Chinese companies can profit from market transactions. In China, the private economy is often rejected by banks due to the small scale of enterprises, weak economic strength, and lack of credit guarantees. Under these circumstances, the guarantee industry has developed vigorously in response to market demand. Due to the short development time of my country’s guarantee industry, most of the enterprises in the industry are private capital, and the lack of experience in corporate development has led to problems such as runaway borrowers and overdue payments in the guarantee business, which has serious adverse effects on the development of commercial guarantee enterprises. Hainan XLS Guarantee Co., Ltd. is a local private guarantee company that has been established for more than 10 years. With the continuous expansion of the company’s business scale, the company faces more and more guarantee business risks. It is urgent for the company to optimize its risk management level and improve its risk resistance. Ensure that the company can operate safely in the long term. After a detailed investigation of the basic situation and risk management status of Hainan XLS Guarantee Co., Ltd., this article sorts out and summarizes the company's risk management problems through field interviews and questionnaire surveys. Furthermore, we studied the relevant theories of risk management at home and abroad, specific operating procedures, empirical research on enterprise risk management, etc., to find suitable methods and measures for the optimization of risk management of Hainan XLS Guarantee Co., Ltd., and comprehensively apply comprehensive risk management theories. Finally, we use multiple risk management tools optimize and improve the company’s existing risk management plan, and propose 3 aspects including optimizing operational risk response measures，optimizing systemic business risk response measures，optimizing XLS Guarantee Co., Ltd.'s information communication system. In the conclusion part, this research puts forward 4 general conclusions: strengthening corporate risk management is an important responsibility of all employees of the company, corporate risk management should focus on risk monitoring and prevention throughout the entire process, and talents are the foundation for the sustainable development of modern enterprises. Commercial guarantee companies provide relevant references when optimizing risk management plans.
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