沈阳中小企业信用担保中心风险管理措施研究

【作者】 于淼；

【导师】 逯宇铎；

【作者基本信息】 大连理工大学 ， 工商管理， 2004， 硕士

【摘要】 本文选择沈阳中小企业信用担保中心的风险管理措施作为研究内容，研究领域属于信用风险管理学范畴。 目前中国中小企业发展迅速，但由于外部环境和中小企业自身固有缺陷，在发展中面临的突出问题之一就是融资难，主要表现为贷款难，其中一个根本原因就是担保难，而解决担保难的重要途径之一就是建立中小企业信用担保机构。我国的中小企业信用担保业起步晚，发展时间短，资金缺乏，管理水平低，引进和留住专业人才难，加之社会信用差，中小企业经营管理不善，相关法律不健全，社会认知和重视程度不够等诸多因素，使之在总体发展水平上与日美欧等发达国家和地区的同行业存在较大差距。 本文通过分析沈阳中小企业信用担保中心的内外部环境，认清其自身的优势和劣势以及机遇和威胁，研究担保中心的风险管理措施，帮助其吸收和借鉴国内外先进的信用风险管理理论和方法经验，并加以创新发展，找到符合担保中心实际情况的风险管理措施。 第一部分，引言。介绍沈阳中小企业信用担保中心发展概况，对中小企业信用担保进行理论解析，阐述对担保机构进行信用风险管理的必要性和一些理论和做法，指出我国中小企业信用担保机构实施风险管理的紧迫性和必然性。阐述论文结构和研究方法。 第二部分，担保中心总体环境。用SWOT分析法对担保中心的环境进行分析。 第三部分，担保中心内外部风险分析。通过CAMPARI分析法，案例分析法和统计学的有关分析方法，对担保中心内外部风险成因进行分析。 第四部分，担保中心风险管理措施的制定和实施。依据上述风险分析，制定风险管理措施，对担保中心的风险管理状况加以改进。更多还原

【Abstract】 The risk management measures of SHENYANG Small and Medium Enterprises Credit Guarantee Fund are chosen as research focus. Research field belong credit risk management scope.Development of small and medium enterprises is rapid at present. The main dilemma faced by small and medium enterprises in development is difficulty in getting loans, one of the reasons is difficulty in getting credit guarantee. Establishing and improving credit guarantee institution is one of the important measures in resolving difficulty of credit guarantee. China’s small and medium enterprises credit guarantee institution is short of fund and social credit, bad in management, difficulty in recruiting and keeping heads, difficulty in operation, and difficulty in deficiency of law. There is a large gap between China and America Japan and Europe. To analyze inside and outside environment and strength, weakness, opportunity and threat faced by SHENYANG CGF, assimilate and innovate theories and methodologies of advanced credit risk management, develop and adopt practical risk management measures of SHENYANG CGF .Fist chapter, preface. To introduce SHENYANG CGF, analyze theory of credit guarantee and necessity of the credit risk management to guarantee institution, point out importance of risk management in China’s small and medium enterprises credit guarantee institution, introduce brief overview and research methodologies.Second chapter, environment and main risk faced by SHENYANG Small and Medium Enterprises Credit Guarantee Fund. To analyze environment and main risk of credit guarantee fund through SWOT analysis.Third chapter, to analyze all kinds of risk faced by SHENYANG Small and Medium Enterprises Credit Guarantee Fund with CAMPARI analysis , case analysis and statistics analysis.Fourth chapter, to formulate and practice SHENYANG Small and Medium Enterprises Credit Guarantee Fund’s risk management measures in accordance with a series of risk analysis.更多还原