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论文编号：	874
作者编号：	2120062135
上传时间：	2008/12/11 16:57:06
中文题目：	我国中小企业信用担保风险管理研
英文题目：	The Study of SMEs Credit Guar
指导老师：	王全喜
中文关键字：	中小企业;信用担保;风险管理
英文关键字：	SMEs;Credit Guarantee;Risk Man
中文摘要：	中小企业信用担保业是一个专业性很强的高风险行业，中小企业规模小、抵押品不足、信用等级偏低等因素决定了为中小企业提供信用担保的风险更大，而且中小企业信用担保公司对资金倍数的放大实际上也放大了风险。在市场经济的条件下，中小企业信用担保公司的这种高风险经营行为必然会限制其在为中小企业融资过程中作用的发挥，这种情况下，担保公司的风险管理能力就成为公司核心竞争力的表现。 本文对现阶段我国中小企业的融资现状、我国中小企业信用担保业的现状进行了回顾。首先阐述了中小企业信用担保的相关概念，以及介绍了信用担保业与中小企业的关系、中小企业信用担保形成的原因、信用担保体系的基本架构。然后对中小企业信用担保风险的特点、分类、来源，中小企业信用担保机构风险分析遵循的标准展开了论述。以此为基础，探讨了我国中小企业信用担保风险管理的客观必要性、目标、原则和特点，以及它的组织形式。接着指出了我国中小企业信用担保风险管理的现状和存在的问题。最后阐述了我国中小企业信用担保风险管理体系及对策，包括中小企业信用担保风险管理体系的框架，内容包含风险的预警、识别、事前控制、事中控制以及事后追偿的管理，以及采用模糊数学中的“多级模糊综合评判”模型理论来建立和量度风险管理体系，另外对信用担保风险的评价指标、信用担保风险的分散机制进行了探讨，而后提出了信用担保风险管理的对策。 通过本文研究，初步实现了以信用担保风险研究为主线，采用定性分析与定量分析相结合，学术研究与应用研究相结合的目标。在探讨中小企业信用担保风险形成的基础上，逐步展开对信用担保风险分级与控制问题的研究，并重点分析了中小企业信用担保机构在宏观，中观以及微观方面所存在的风险问题，并结合实际提出了建立在保项目的风险应对对策。这能够更好的与实际运用结合起来，在中小企业担保机构中具有实际应用的意义。 关键字：中小企业 信用担保 风险管理
英文摘要：	SMECG(Small and Medium-sized Enterprise Credit Guarantee) industry is a specialized high-risk industries. it will bring higher risk to SMECG company when providing guarantee for SMEs(Small and Medium-sized Enterprises), Due to the small size,shortage of gage, and lower credit rank of SMEs. And it will magnify risk while the SMECG company magnifies its capital.Under the conditions of market economy, the highly risky operation of SMECG company inevitably limit the function of helping financing of SMEs, in this situation , the ability of risk management of SMECG company will represents the core ability of competition. In this paper, We reviewed the current situation of diffieulty of SMEs’s financing and SMECG industry. First of all, We introduced related concepts abount SMECG, as well as We introduced the relation of SMECG and SMEs, the origin of SMECG, the basic structure of SMECG. then, We concretely discuess the character、classification、origin of SMECG risks. Following the standard of risk analysis carried out on. On this basis, to discuess the necessary, character, goal,principle ,form of organization of SMEs risk management. Then pointed out that current status,risk problems of SMECG risk management. Finally, to discuess the framework of SMECG risk management, which includes the early warning, identification, pre-control, the subsequent management of risks, as well as we use "Multi-level vague comprehensive evaluation" modle of vague math to measure risk management system, In addition to discuss the risk assessment indicators, diversifying and transferring mechanism. Then put forward a solutions of SMECG risk management. In this paper, through study of SMECG risk management, using qualitative analysis and quantitative analysis, academic research and applied research to combine.In-depth study of form of SMECG risks, and gradually study classification and control of SMECG risk . in-depth study risk management from macro, middle and micro level of SMECG company. In the light of actual model, to deal with risk management situations, This can be better applied in SMEs practical project. Key Words：SMEs Credit Guarantee Risk Management
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