【作者】 杨俊；

【导师】 邓幼强；

【作者基本信息】 西南交通大学 ， 工商管理， 2010， 硕士

【摘要】 担保行业是我国21世纪才逐渐发展起来的一个新兴行业,随着我国经济的高速发展,担保行业也得以快速发展。由于担保业务的特殊性,担保行业存在着较高的风险,因此担保业务风险管理成为担保行业稳定发展的关键。但由于我国担保行业起步晚,经验欠缺,行业内普遍存在担保业务风险管理手段薄弱的问题,这将是制约我国担保行业稳定发展的重要因素。如何使担保机构在自身发展下更好的为中小企业服务,提高担保机构业务风险管理能力就成为目前担保行业急需解决的问题。这也是本文试图研究和解决的问题。笔者所在的A担保公司成立于2001年,经过几年的发展已经成为全国规模较大的担保机构之一,在这几年的发展中,公司逐步探索出了一条有效的担保业务风险管理机制,使公司在担保业务风险控制上取得了骄人的成绩。本人有幸在A担保公司工作多年,参与了该公司风险管理机制的建立和运作。本文主要通过案例分析的方法展开论述。首先概括介绍了信用担保业务风险管理的综合知识；接着对A担保公司业务风险管理的成功因素进行分析,总结出A担保公司风险管理控制中的有效措施：风险分担、风险分散、风险规避、风险转移,特别总结出了具有较强操作性的风险控制方法,得出案例启示：担保业务的风险管理是一个系统的工程,只有担保机构各方面风险管理措施有机结合在一起才能有效控制担保业务风险；最后,在前述分析的基础上,从风险管理方面总结出一些能有效降低担保业务风险的结论。更多还原

【Abstract】 In China, guarantee industry is a new industry which begins to develop in the 21st century. With the rapid development of our country’s economy, guarantee industry also develops very rapidly. Because of the particularity of guarantee business, guarantee industry is a high-risk industry, thus the key to the stable development for guarantee industry is risk management of guarantee business. But in our country, due to the reason that guarantee industry starts fairly late and lacks experience, the problem of lacking risk management methods exists widely; this is a very important factor that restricts the stable development of our country’s guarantee industry. When guarantee agency develop itself, in order to better serve medium and small enterprises, the problem that how to improve the risk management level for the guarantee business becomes a problem which should be solved immediately. This is also the problem which this thesis tries to study and solve.The guarantee company A the author works now was set up in 2001, after several years development, it has become one of the largest guarantee company in our country. Within the past several years, Company A has found and established an effective risk management system for guarantee business and outstanding achievements have been acquired in the field of risk control for guarantee business. The author has worked in company A for many years and taken part in the process of establishment and implementation of risk management system. In this thesis, the case analysis method is mainly adopted. First of all, comprehensive knowledge of risk management for credit guarantee business is generally introduced; Then, choosing the successful elements of business risk management of company A to make an analysis, summing up the effective risk management methods of company A, such as: risk-sharing, risk-spreading, risk-averting, risk-transferring; especially the risk control methods which can be easily operated, and thus Cases lessons are concluded:The risk management for guarantee business is a system engineering, efficient risk control for guarantee business can only be achieved through an organic combination of risk management methods of various aspects of guarantee agency. In the end, on the basis of the above analysis, from the point of view of risk management, some conclusions which can reduce the risk of guarantee business effectively are summed up.更多还原