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论文编号：	9141
作者编号：	2220140537
上传时间：	2017/6/7 21:36:27
中文题目：	AD金融资产公司债权业务风险管理策略研究
英文题目：	AD Financial Asset Management Company,Risk Management & Strategy Research of Debt Business
指导老师：	张金成
中文关键字：	金融资产公司;传统类债权;附重组类债权;债权业务;风险管理
英文关键字：	Financial Assets Management Company; traditional debt business;debt restructuring business;debt business;risk management;strategy research
中文摘要：	AD金融资产公司作为非银行金融机构，在业务经营和管理中控制风险是企业的重大任务。 AD金融资产公司的战略定位是做中国不良资产经营领域的先行者，以不良资产管理为核心业务，开展投资和资管业务，金融服务业务。经过十多年的发展，2011~2015年年报显示，三项业务中收入和利润的占比依然是以不良资产业务为主，占比在41%和63%以上， AD金融资产公司不良资产业务主要是不良债权业务，分为两类，传统类债权业务和附重组类债权业务。因此研究作为公司主营业务不良资产中的不良债权风险，对公司风险防控具有现实意义。 本文根据AD金融资产公司债权业务特点，将其分为传统类（收购处置类）债权业务和附重组类（收购重组类）债权业务。运用风险管理相关理论，同时通过对与公司债权相关的风险类型进行归类分析，把AD公司债权业务风险分为内部风险和外部风险；主要对公司战略风险、资本不足和流动性风险、合规和操作风险、大额和集中度四种内部风险，市场风险和信用风险两种外部风险，尤其是两类业务操作流程的风险进行识别、评估和防控措施进行了详细研究，提出了可供操作的风险管理策略。
英文摘要：	As a non-bank financial institution, AD Financial Assets Management Company takes risk management as its main task during business execution. Centered on the business of NPA (non-performing assets) management, meanwhile carrying out Investment & Assets Management business and Financial Service business, AD Financial Assets Management Company (AD for short, same hereinafter) targets the market leader of NPA business. As shown in annual reports from 2011 to 2015, the main earning& profit of AD still came from NPA business, which took over 41% & 63% of all, with over ten years operation and development. The NPA business of AD mainly focuses on the business of NPL (non-performing loan), which could be further divided into two branches, tradition bond business and debt restructuring business. Studying the risk of NPL as the main business of AD will possess a practical significance for its risk management. Considering the characteristic of AD debt business, this thesis divides the debt business into two parts, traditional debt business (acquisition and disposal of NPL) and debt restructuring business (acquisition and disposal of NPL) . And based on the risk management theories, it further analyzes the risks connected to debt business, and categorizes into two types--internal risk, which mainly contains strategic risk, capital liquidity risk, compliance risk & concentration risk, and external risk, mainly contains market risk & credit risk. By recognizing the internal & external risk under debt business, and studying the risk evaluation and controlling procedures, the article comes up with operable risk control tactics.
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