鑒于中小企業(yè)在國(guó)民經(jīng)濟(jì)中的地位和作用,其生存和發(fā)展問題受到各國(guó)普遍關(guān)注。由于規(guī)模小和信用度低,融資難一直成為制約中小企業(yè)發(fā)展的重要因素。融資性擔(dān)保作為一項(xiàng)制度安排,致力于解決中小企業(yè)融資難問題,但是,融資性擔(dān)保行業(yè)具有高風(fēng)險(xiǎn)性,必須采取有效的方式方法控制和管理風(fēng)險(xiǎn)。本文在整理國(guó)內(nèi)外文獻(xiàn)的基礎(chǔ)上,首先,對(duì)融資性擔(dān)保相關(guān)理論以及我國(guó)融資性擔(dān)保行業(yè)經(jīng)營(yíng)模式和特征進(jìn)行了介紹,分析其風(fēng)險(xiǎn)類型及成因,其次,以JC融資擔(dān)保公司為案例進(jìn)行分析,最后,以全面風(fēng)險(xiǎn)管理理論為導(dǎo)向,構(gòu)建全面風(fēng)險(xiǎn)管理體系基本框架,力圖控制和管理融資性擔(dān)保公司的風(fēng)險(xiǎn),為其可持續(xù)發(fā)展保駕護(hù)航。通過分析研究發(fā)現(xiàn),經(jīng)營(yíng)融資性擔(dān)保公司風(fēng)險(xiǎn)雖然較高,但是風(fēng)險(xiǎn)并非不可控,通過構(gòu)建全面風(fēng)險(xiǎn)管理體系可以有效管理和應(yīng)對(duì)風(fēng)險(xiǎn)。構(gòu)建全面風(fēng)險(xiǎn)管理體系基本框架,包括了對(duì)目標(biāo)、管理過程和配套設(shè)施的構(gòu)建。目標(biāo)構(gòu)建由戰(zhàn)略、經(jīng)營(yíng)、報(bào)告和遵循性目標(biāo)的構(gòu)建組成;管理過程構(gòu)建是通過構(gòu)建由事件識(shí)別、風(fēng)險(xiǎn)評(píng)估、風(fēng)險(xiǎn)應(yīng)對(duì)和監(jiān)督組成的管理閉環(huán),對(duì)風(fēng)險(xiǎn)進(jìn)行持續(xù)動(dòng)態(tài)地管理;配套設(shè)施構(gòu)建是構(gòu)建良好的內(nèi)部環(huán)境、控制活動(dòng)和信息系統(tǒng),以保證整個(gè)體系有效運(yùn)作。 

【文章來源】：廣東外語外貿(mào)大學(xué)廣東省

【文章頁(yè)數(shù)】：78 頁(yè)

【學(xué)位級(jí)別】：碩士

【文章目錄】：
ACKNOWLEDGEMENTS
ABSTRACT
摘要
LIST OF ABBREVIATIONS
1 Introduction
    1.1 Research Background and Significance
        1.1.1 Research Background
        1.1.2 Research Significance
    1.2 Research Contents and Approaches
        1.2.1 Research Contents
        1.2.2 Research Framework
    1.3 Research Methodology
        1.3.1 Literature Review
        1.3.2 Case Study
2 Literature Review
    2.1 Connotation of Risk Management
    2.2 Connotation and Elements of COSO Overall Risk Management
        2.2.1 Business Goal
        2.2.2 Management Process
        2.2.3 Supporting facilities
    2.3 Review on Literatures both at Home and from Abroad
        2.3.1 Literature Review
        2.3.2 Summary
3 Introduction to Financing Guarantee Industry and Companies
    3.1 A Brief Introduction to Financing Guarantee Companies
        3.1.1 The Business Model of Financing Guarantee Companies
        3.1.2 The Status Quo of Financing Guarantee Industry in China
        3.1.3 The Risk Categories of Financing Guarantee Companies
        3.1.4 The Development of Financing Guarantee Industry in the Future
    3.2 A Brief introduction to JC Financing Guarantee Company
    3.3 The Business Model of JC Financing Guarantee Company
    3.4 Risks of JC Financing Guarantee Company
        3.4.1 Risks of Capital Lending
        3.4.2 Unable to Recognize and Control Risks of Guaranteed Projects
        3.4.3 Summary
4 The Status Quo of JC'S Risk Management and Analysis of Causes to Risks
    4.1 The Status Quo of JC Financing Guarantee Company’s Risk Management
        4.1.1 Principles of Risk Management Strategy
        4.1.2 Organizational Structure and Duty Segregation of Risk Management
        4.1.3 The Organizational Structure of the Company
        4.1.4 Credit Risk Management
        4.1.5 Liquidity Risk Management
        4.1.6 Market Risk Management
        4.1.7 Operational Risk Management
    4.2 Analysis of Causes to Risks of JC Company
        4.2.1 Systematic Risks
        4.2.2 Unsystematic Risk
5 Suggestions on Optimizing the Strategic Risk Management of JC Company
    5.1 Establishment of Goals
    5.2 The Construction of Management Process
    5.3 The Construction of Supporting Facilities
        5.3.1 Internal Environment
        5.3.2 Activity Control
        5.3.3 Information System
    5.4 Risk Recognition of Financing Guarantee Company
        5.4.1 Credit risk Recognition of Financing Guarantee Company
        5.4.2 Recognition of Operational Risks Facing Financing Guarantee Companies
        5.4.3 Recognition of other risks existing in financing guarantee companies
    5.5 Risk Assessment of Financing Guarantee Companies
        5.5.1 Credit risk Assessment of Financing Guarantee Companies
        5.5.2 Assessment of Operational Risks and Other Risks for Financing GuaranteeCompanies
    5.6 Risk Response of Financing Guarantee Companies
        5.6.1 Credit risk Response of Financing Guarantee Companies
        5.6.2 Dealing with Operational Risks and Other Risks in the Financing GuaranteeCompany
6 Concluding Remarks and Limitations
REFERENCE


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期刊論文
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碩士論文
[1]銀行與融資性擔(dān)保公司合作風(fēng)險(xiǎn)管理研究[D]. 黃五四.廣西大學(xué) 2013
[2]融資性擔(dān)保機(jī)構(gòu)風(fēng)險(xiǎn)分析與評(píng)價(jià)研究[D]. 梁鳳.陜西師范大學(xué) 2013
[3]融資性擔(dān)保公司運(yùn)營(yíng)中的風(fēng)險(xiǎn)分析及法律防范[D]. 吳文錕.華東政法大學(xué) 2012



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