本文選題：高投融資擔(dān)保　切入點(diǎn)：風(fēng)險(xiǎn)管理　出處：《電子科技大學(xué)》2014年碩士論文

【摘要】：中小企業(yè)尤其是科技型中小企業(yè)是保持國(guó)民經(jīng)濟(jì)平穩(wěn)較快發(fā)展的重要力量,也是吸納就業(yè)的主要渠道。但是在其生存發(fā)展的過(guò)程中,面臨著較為普遍的“融資難”等問(wèn)題。雖然,目前各級(jí)政府相繼出臺(tái)了一系列扶持政策,加大對(duì)科技型中小企業(yè)融資支持的力度,但是由于科技型中小企業(yè)常常存在抵押物不足、反擔(dān)保措施不夠、自身生產(chǎn)風(fēng)險(xiǎn)大等問(wèn)題,造成商業(yè)銀行“惜貸”現(xiàn)象嚴(yán)重。作為準(zhǔn)金融機(jī)構(gòu)的各類(lèi)擔(dān)保機(jī)構(gòu)的介入為科技型中小企業(yè)“融資難”解決提供了一種途徑,一些政府性擔(dān)保公司創(chuàng)新業(yè)務(wù)方式,比如接受專(zhuān)利等商業(yè)銀行不容易接受的反擔(dān)保措施,降低其融資擔(dān)保門(mén)檻,以政府的公共信用資源為其提供準(zhǔn)公共品。但是,這種創(chuàng)新必然帶來(lái)門(mén)檻的降低和風(fēng)險(xiǎn)的增加,把風(fēng)險(xiǎn)轉(zhuǎn)嫁到擔(dān)保機(jī)構(gòu)身上,其可能是收取2-5%的擔(dān)保費(fèi),卻要承擔(dān)100%的代償風(fēng)險(xiǎn),因此科學(xué)分析擔(dān)保機(jī)構(gòu)面臨的風(fēng)險(xiǎn)問(wèn)題,有助于擔(dān)保機(jī)構(gòu)的長(zhǎng)遠(yuǎn)發(fā)展。本文首先分析了融資擔(dān)保的概念、基本理論、主要模式、業(yè)務(wù)類(lèi)型等,針對(duì)融資擔(dān)保風(fēng)險(xiǎn)涵蓋的政策風(fēng)險(xiǎn)、法律風(fēng)險(xiǎn)、市場(chǎng)風(fēng)險(xiǎn)等系統(tǒng)風(fēng)險(xiǎn),以及代償風(fēng)險(xiǎn)(信用風(fēng)險(xiǎn))、第三方信用風(fēng)險(xiǎn)、管理風(fēng)險(xiǎn)等非系統(tǒng)風(fēng)險(xiǎn)進(jìn)行研究,并研究其特點(diǎn)和產(chǎn)生的根源,認(rèn)為要強(qiáng)化風(fēng)險(xiǎn)管理,著重要通過(guò)風(fēng)險(xiǎn)的識(shí)別、預(yù)測(cè)和衡量,選擇有效的手段,有效控制和化解風(fēng)險(xiǎn),并總結(jié)了日本等國(guó)家在控制融資擔(dān)保風(fēng)險(xiǎn)的先進(jìn)經(jīng)驗(yàn)。其次從知識(shí)產(chǎn)權(quán)質(zhì)押融資、擔(dān)保換期權(quán)等主要業(yè)務(wù)開(kāi)展,分析高投融資擔(dān)保近年的發(fā)展,并對(duì)其面臨的風(fēng)險(xiǎn)環(huán)境進(jìn)行分析,主要是涉及代償風(fēng)險(xiǎn)、資源不足、內(nèi)部管理等內(nèi)部控制風(fēng)險(xiǎn),監(jiān)管過(guò)多過(guò)細(xì)、自主創(chuàng)新不夠等政策風(fēng)險(xiǎn),行業(yè)發(fā)展規(guī)范性不夠等行業(yè)風(fēng)險(xiǎn),面臨其他政策性擔(dān)保機(jī)構(gòu)、商業(yè)擔(dān)保機(jī)構(gòu)、專(zhuān)業(yè)擔(dān)保機(jī)構(gòu)等競(jìng)爭(zhēng)的市場(chǎng)風(fēng)險(xiǎn)。第三,以DF軟件的融資擔(dān)保業(yè)務(wù),研究項(xiàng)目主要決策流程及其風(fēng)險(xiǎn)控制機(jī)制。著力研究四個(gè)方面:一是擔(dān)保調(diào)查、擔(dān)保評(píng)審、擔(dān)保決策、擔(dān)保后續(xù)程序等項(xiàng)目主要決策流程;二是風(fēng)險(xiǎn)識(shí)別的要求和原則;三是全員風(fēng)險(xiǎn)管理、全面風(fēng)險(xiǎn)管理、全程風(fēng)險(xiǎn)管理等項(xiàng)目風(fēng)險(xiǎn)控制機(jī)制;四是從實(shí)現(xiàn)條件可控、實(shí)現(xiàn)評(píng)審可控、實(shí)現(xiàn)手段可控、實(shí)現(xiàn)監(jiān)督可控等四個(gè)方面提出項(xiàng)目風(fēng)險(xiǎn)控制與化解方案。我們認(rèn)為,提升高投融資擔(dān)保風(fēng)險(xiǎn)管理水平,一是要著力從內(nèi)控制度、構(gòu)建信用體系、優(yōu)化產(chǎn)業(yè)布局、創(chuàng)新業(yè)務(wù)模式、推進(jìn)團(tuán)隊(duì)建設(shè)等方面完善內(nèi)部風(fēng)險(xiǎn)控制機(jī)制建設(shè);二是要著力從推動(dòng)政府政策創(chuàng)新、推動(dòng)政府監(jiān)管創(chuàng)新、完善征信制度建設(shè)等方面促進(jìn)政策風(fēng)險(xiǎn)化解機(jī)制建設(shè);三是要從企業(yè)自身考慮推動(dòng)行業(yè)風(fēng)險(xiǎn)化解機(jī)制建設(shè)。
[Abstract]:Small and medium-sized enterprises, especially small and medium-sized technological enterprises, are the important force to maintain the steady and rapid development of the national economy, and also the main channels to absorb employment.However, in the process of its survival and development, it is faced with more common "financing difficulties" and other problems.Although at present, governments at all levels have successively issued a series of supporting policies to increase financing support for small and medium-sized technology-based enterprises, however, because there are often insufficient collateral for technology-based SMEs, counter-guarantee measures are not enough.Its own production risk and other problems, resulting in commercial banks, "reluctant lending" phenomenon is serious.The involvement of various guarantee organizations as quasi-financial institutions provides a way to solve the "financing difficulties" of small and medium-sized technology-based enterprises, and some government-sponsored companies innovate their business methods.For example, accepting the patent and other commercial banks is not easy to accept the counter-guarantee measures, reduce its financing guarantee threshold, and provide quasi-public goods with the government's public credit resources.However, this innovation will inevitably lead to the reduction of threshold and the increase of risk. The risk may be transferred to the guarantee institution, which may be charged 2-5% of the guarantee fee, but it will have to bear 100% of the compensatory risk. Therefore, the risk problems faced by the guarantee organization will be scientifically analyzed.Contribute to the long-term development of the guarantee agency.This paper first analyzes the concept, basic theory, main mode, business type of financing guarantee, aiming at the systemic risks, such as policy risk, legal risk, market risk and so on.As well as compensatory risk (credit risk, third party credit risk, management risk and other non-systematic risk research, and study its characteristics and root causes, it is considered that to strengthen risk management, it is important to identify, predict and measure the risk.This paper chooses effective means to control and defuse risks effectively, and sums up the advanced experiences of Japan and other countries in controlling financing guarantee risk.Secondly, it analyzes the development of high investment and financing guarantee in recent years from the main business of intellectual property pledge financing, guarantee exchange option and so on, and analyzes the risk environment it faces, which mainly involves compensatory risk and insufficient resources.Internal control risks such as internal management, excessive supervision, insufficient independent innovation, and other industry risks, such as inadequate industry development norms, are facing other policy guarantee agencies and commercial guarantee agencies,The market risk of competition such as professional guarantee organization.Thirdly, the main decision-making process and risk control mechanism of the project are studied with the financing guarantee business of DF software.Focus on four aspects: first, guarantee investigation, guarantee review, guarantee decision-making, guarantee follow-up procedures, etc.; second, requirements and principles of risk identification; third, all-staff risk management, comprehensive risk management,The fourth is to put forward the project risk control and solution scheme from four aspects: the condition controllable, the evaluation controllable, the means controllable, the supervision controllable and so on.We believe that to improve the risk management level of high investment and financing guarantee, we should improve the internal risk control mechanism from the aspects of internal control system, building credit system, optimizing industrial layout, innovating business model, promoting team building and so on.The second is to promote government policy innovation, promote government regulatory innovation, improve the credit system construction and other aspects to promote the construction of policy risk resolution mechanism; third, from the enterprise own considerations to promote the industry risk resolution mechanism construction.
【學(xué)位授予單位】：電子科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F272.3;F832.39

【相似文獻(xiàn)】

相關(guān)期刊論文 前10條

1 楊乃定;企業(yè)風(fēng)險(xiǎn)管理發(fā)展的新趨勢(shì)[J];中國(guó)軟科學(xué);2002年06期

2 楊乃定,Rolf Mirus;企業(yè)集成風(fēng)險(xiǎn)管理——企業(yè)風(fēng)險(xiǎn)管理發(fā)展新方向[J];工業(yè)工程與管理;2002年05期

3 付罡,安貴鑫,張濤;影響我國(guó)企業(yè)實(shí)施風(fēng)險(xiǎn)管理的幾點(diǎn)分析[J];經(jīng)濟(jì)師;2002年12期

4 徐子堯;風(fēng)險(xiǎn)管理:我國(guó)銀行提高競(jìng)爭(zhēng)力的關(guān)鍵[J];甘肅金融;2003年07期

5 楊婭婕;試論金融衍生工具的風(fēng)險(xiǎn)管理[J];云南財(cái)貿(mào)學(xué)院學(xué)報(bào);2003年05期

6 吳忠華;飼料企業(yè)的風(fēng)險(xiǎn)管理[J];飼料廣角;2003年12期

7 泰邦建;;人才引薦中的風(fēng)險(xiǎn)管理[J];經(jīng)營(yíng)者;2003年07期

8 張燕玲;風(fēng)險(xiǎn)管理的原則和體系[J];銀行家;2004年02期

9 吳忠華,李冬,羅士仙;飼料企業(yè)的風(fēng)險(xiǎn)管理[J];江西畜牧獸醫(yī)雜志;2004年01期

10 ;企業(yè)風(fēng)險(xiǎn)管理[J];安防科技;2004年08期

相關(guān)會(huì)議論文 前10條

1 張寶琴;安培芬;;風(fēng)險(xiǎn)管理在手術(shù)室護(hù)理中的應(yīng)用[A];全國(guó)第十屆手術(shù)室護(hù)理學(xué)術(shù)交流暨專(zhuān)題講座會(huì)議論文匯編（上）[C];2006年

2 張敏;;風(fēng)險(xiǎn)管理在臨床的應(yīng)用[A];全國(guó)第十屆手術(shù)室護(hù)理學(xué)術(shù)交流暨專(zhuān)題講座會(huì)議論文匯編（上）[C];2006年

3 杜柯凝;;風(fēng)險(xiǎn)管理在臨床中應(yīng)用[A];吉林省護(hù)理學(xué)會(huì)2008學(xué)術(shù)年會(huì)暨護(hù)理技能培訓(xùn)班論文匯編[C];2008年

4 趙儉;劉敏;曹志芳;任麗勤;劉珂;;質(zhì)量風(fēng)險(xiǎn)管理應(yīng)用探討[A];2008年中國(guó)藥學(xué)會(huì)學(xué)術(shù)年會(huì)暨第八屆中國(guó)藥師周論文集[C];2008年

5 黃啟東;吳占勛;魯軍紅;;淺談設(shè)備風(fēng)險(xiǎn)管理[A];2009海峽兩岸機(jī)械科技論壇論文集[C];2009年

6 黃啟東;吳占勛;魯軍紅;;淺談設(shè)備風(fēng)險(xiǎn)管理[A];十三省區(qū)市機(jī)械工程學(xué)會(huì)第五屆科技論壇論文集[C];2009年

7 朱敏;;技術(shù)風(fēng)險(xiǎn)管理中科學(xué)與人文的融合[A];第二屆中國(guó)科技哲學(xué)及交叉學(xué)科研究生論壇論文集（碩士卷）[C];2008年

8 ;2005年度“現(xiàn)代企業(yè)風(fēng)險(xiǎn)管理”專(zhuān)題獲一等獎(jiǎng)的論文[A];中國(guó)內(nèi)部審計(jì)協(xié)會(huì)2005年度全國(guó)“現(xiàn)代企業(yè)風(fēng)險(xiǎn)管理”理論研討?hù)呓?jīng)驗(yàn)交流會(huì)一二等獎(jiǎng)?wù)撐膮R編[C];2005年

9 ;2005年度“現(xiàn)代企業(yè)風(fēng)險(xiǎn)管理”專(zhuān)題獲二等獎(jiǎng)的論文[A];中國(guó)內(nèi)部審計(jì)協(xié)會(huì)2005年度全國(guó)“現(xiàn)代企業(yè)風(fēng)險(xiǎn)管理”理論研討?hù)呓?jīng)驗(yàn)交流會(huì)一二等獎(jiǎng)?wù)撐膮R編[C];2005年

10 ;《現(xiàn)代企業(yè)風(fēng)險(xiǎn)管理》課題研究成果說(shuō)明書(shū)[A];中國(guó)內(nèi)部審計(jì)協(xié)會(huì)2005年度全國(guó)“現(xiàn)代企業(yè)風(fēng)險(xiǎn)管理”理論研討?hù)呓?jīng)驗(yàn)交流會(huì)一二等獎(jiǎng)?wù)撐膮R編[C];2005年

相關(guān)重要報(bào)紙文章 前10條

1 農(nóng)行鹽城市分行課題組;銀行應(yīng)以風(fēng)險(xiǎn)管理作為經(jīng)營(yíng)管理重心[N];中國(guó)證券報(bào);2005年

2 本報(bào)記者 華強(qiáng);期貨市場(chǎng)是一個(gè)風(fēng)險(xiǎn)管理市場(chǎng)[N];證券時(shí)報(bào);2001年

3 萬(wàn)里虹;風(fēng)險(xiǎn)管理——全球企業(yè)關(guān)心的話(huà)題[N];中國(guó)保險(xiǎn)報(bào);2006年

4 張曉杰;將風(fēng)險(xiǎn)管理落到實(shí)處（下）[N];財(cái)會(huì)信報(bào);2006年

5 記者　 潘z，

本文編號(hào)：1700844