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论文编号：	12917
作者编号：	2320190480
上传时间：	2021/12/14 9:46:49
中文题目：	对GK信用增进公司增信业务风险控制研究
英文题目：	Research on risk control strategy of GK credit enhancement company''s credit enhancement
指导老师：	王永进
中文关键字：	风险控制；信用增进；债券；金融市场
英文关键字：	Risk control；Credit enhancement；Bond；Financial market
中文摘要：	信用增进行业作为我国金融市场中新型机构，在近十年经历了快速发展，风险的防控成为了行业发展中的重要课题。本文重点分析我国新兴的信用增进行业中初创企业GK公司，主要从信用增进行业增信业务风险控制优化提升的方向展开分析，确定其增信业务与风控发展现状，提炼风险防控的主要影响因素与潜在困难进行研究，旨在提出解决方案，来提出符合中国国情的信用增进企业增信业务的风险控制策略优化措施。 全文对相关管理学理论和金融风险控制理论进行了梳理，综合分析了信用增进行业发展现状与监管要求后，对GK公司风险控制框架体系和影响因素进行了深入探索，重点分析了信用风险、市场风险、操作风险、政策性风险、突发事件风险和流动性风险等影响因素。 在对GK公司增信业务的风险控制能力的优化措施方面，在深入分析了公司增信业务风险控制现状、存在的主要问题的基础上，提出了GK信用增进公司提升风险控制的策略，即完善信用评价模型体系提升信评水平以防范信用风险、引入利率走廊模型提升风险定价能力以降低市场风险、规范业务流程与人员管理以杜绝操作风险并提升前瞻性风险意识与准备以推动风控水平提升。 在上述优化措施中，根据增信行业特点，分别提出建立和优化了针对信用风险防控能力提升的企业信用模型，该模型结合了企业经营和财务方面的加权因子，并提出了企业流动性压力系数和企业外部信用系数，实现了模型对企业信用水平的较好的拟合，提升了信用风险控制能力；内部风险定价“走廊模型”，针对增信业务面临的市场风险，打破了原有单一定价体系的桎梏，提出了以底线费率曲线、中线费率曲线和建议费率曲线组成的定价区间，有效地支持了公司业务开展中对市场风险的防范。 最后对GK信用增进公司增信业务提升风险控制的保障策略，即完善公司增信业务风险控制机制、加强宏观分析与市场研究能力和增强资本实力与职能部门保障能力方面做出了分析，并对信用增进行业风险控制的优化做出了归纳、总结与展望。参考文献39篇。
英文摘要：	In recent ten years , as a new type of institution in China's financial market, credit enhancement industry has experienced development. Risk prevention and control has more and more become an important topic. This paper focuses on GK company, a start-up enterprise in China's emerging credit enhancement industry, mainly analyzes the risk control of credit enhancement business in the credit enhancement industry, determines the main influencing factors and potential difficulties of risk prevention and control, and aims to put forward solutions; Around this core, to establish a credit enhancement enterprise risk control strategy in line with China's national conditions. Through combing the relevant management theories and risk control theories, this paper establishes the research methods. After comprehensively analyzing the development status and regulatory requirements of the credit promotion industry, this paper deeply explores the risk control framework system and influencing factors of GK company, focusing on the influencing factors such as credit risk, market risk, operational risk and policy risk. In terms of the optimization measures for the risk control ability of GK's credit enhancement business, We have submitted a credit risk control strategy in Guangdong province with a deep analysis of the current state and key issues of credit risk control in the province of Guangdong. Especially, credit rating system is complete. Improve credit rating system, complete credit rating system, increase credit rating level, and prevent credit risk..The interest rate corridor model is introduced to improve risk pricing ability to reduce market risk, standardize business processes to eliminate operational risk, and improve forward-looking risk awareness and got ready to promote the increase of risk control level. We proposed the construction and optimization of the corporate credit model for the credit industry. Increase the ability to prevent credit risk. The model combines the weighting factors of enterprise operation and finance, and puts forward the enterprise liquidity pressure coefficient and enterprise external credit coefficient, so as to realize the better fitting of the model to the enterprise credit level; The internal risk pricing corridor model for market risk breaks the shackles of a single pricing system, and puts forward a pricing interval composed of bottom line rate curve, middle line rate curve and recommended rate curve, which effectively supports the prevention of market risk in the company's business development. Finally, it analyzes the guarantee strategies of GK credit enhancement company to improve the risk control strategy, that is, to improve the risk control mechanism of the company's credit enhancement business, strengthen the ability of macro analysis and market research, and enhance the capital strength and the guarantee ability of functional departments, and summarizes, summarizes and prospects the optimization of risk control in the credit enhancement industry. 39references were cited.
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