【作者】 李天舒；

【导师】 张艾莲；

【作者基本信息】 吉林大学 ， 工商管理硕士（专业学位）， 2021， 硕士

【摘要】 随着近年来我国经济增速放缓、困难挑战加剧,我国不良资产暴露逐渐增多。地方资产管理公司通过开展金融企业不良资产批量收购处置业务,充分发挥了逆周期调节作用,为地方化解金融风险及经济发展做出了巨大贡献。部分地方资产管理公司在快速发展的同时,面也面临着战略定位不明确、决策机制不健全、定价机制不完善等问题。这些问题制约了地方资产管理公司长期、稳健发展,影响其发挥自身功能作用。因此,地方资产管理公司需要根据宏观形势和自身特点,制定适合自身经营发展的战略,才能在竞争中取得优势,更好地实现化解地方金融风险的重大使命。山东金融资产管理公司是处于行业领先地位的地方资产管理公司,主要开展不良资产经营业务。本文以山东金融资产管理公司为研究对象,首先从公司的发展现状出发,对公司的业务板块、财务状况、法人治理结构、组织架构等多方面进行了分析和梳理。2014年山东金融资产管理公司正式成立,经过近7年的经营发展,目前已进入了快速运营的阶段,形成了自身业务模式,在不良资产收购处置方面存在一定优势。但是伴随公司的业务大幅扩张,公司在经营发展过程中面临着在资金、成本控制、业务布局等多方面的压力。在新形势下,山东金融资产管理公司制定符合自身长远发展的战略是十分必要的。其次,本文利用PEST分析模型、SWOT分析模型对山东金融资产管理公司的发展战略环境进行了分析。在当前的政治经济环境下,山东金融资产管理公司处于挑战与机会并存的局面。一方面,公司面临着市场潜力巨大、行业监管体系日益完善的重大契机,在控股股东、地域资源、融资能力等方面均具有突出优势。另一方面,公司也面临着行业竞争激烈、成本价格上涨、经营地域范围有限等不利因素。通过分析,得出山东金融资产管理公司应该采用机会-优势(SO)战略组合。再次,本文结合上述分析结果,得出了适合山东金融资产管理公司的发展战略,即以不良资产经营为主业,多元化经营,兼顾新兴产业布局,并扩大资产管理规模,使公司最终发展成为主业地位突出、资本优势明显、用人机制完善、管控机制优化、战略布局全面的地方资产管理公司。最后,本文制定了山东金融资产管理公司战略保障体系,为实现发展战略目标做好保障工作。山东金融资产管理公司需要顺应时代的发展,解决好企业发展过程中的各种问题,坚定企业发展战略方向,这样才能成为一流的地方资产管理公司,实现为金融化险助力、为产业转型赋能的使命。更多还原

【Abstract】 With China’s economic growth slowing down and difficulties and challenges intensifying in recent years,the exposure of non-performing assets in China has gradually increased.Local asset management companies have fully played the role of countercyclical regulation by carrying out bulk purchase and disposal of non-performing assets of financial enterprises,and made great contributions to local financial risk reduction and economic development.At the same time of rapid development,some local asset management companies are faced with problems such as unclear strategic positioning,imperfect decision-making mechanism,and imperfect pricing mechanism,which restrict the long-term and steady development of enterprises and affect the performance of local asset management companies.Therefore,local asset management companies need to formulate strategies suitable for their own operation and development according to the macro situation and their own characteristics,to gain advantages in the competition and better realize the major mission of defusing local financial risks.Shandong Financial Asset Management Company is a leading local asset management company,mainly engaged in the operation of non-performing assets.This paper takes Shandong Financial Asset Management Company as the research object.Starting from the development status of the company,this paper analyzes and sorts out the business sectors,financial status,corporate governance structure,organizational structure,and other aspects of the company.Shandong Financial Asset Management Company was established in 2014.After nearly 7 years of operation and development,it has now entered the stage of rapid operation,formed its own business model,and has certain advantages in the acquisition and disposal of non-performing assets.However,with the gradual expansion of the company’s business,the company still faces pressure from many aspects,such as capital,cost control and business layout,in the process of operation and development.In the new situation,it is very necessary for Shandong Financial Asset Management Company to formulate a strategy in line with its own long-term development.Secondly,this paper uses PEST and SWOT analysis model to analyze the development strategic environment of Shandong Financial Asset Management Company.Under the current political and economic environment,Shandong Financial Asset Management Company is in a situation of both challenges and opportunities.On the one hand,the company is faced with a great opportunity of huge market potential and increasingly perfect industry regulatory system,and has outstanding advantages in controlling shareholders,regional resources,financing capacity and other aspects.On the other hand,the company is also faced with fierce competition in the industry,rising costs and prices,industry position and limited scope of business and other adverse factors.Through the analysis,it is concluded that Shandong financial asset management companies should adopt the combination of opportunities – strengths(OS)growth strategy.Again,based on the above analysis results,it is concluded that the development strategy for Shandong Financial Asset Management Company,namely the bad assets management as its main business,diversified business,both emerging industry layout,and expand the scale of asset management,make the company outstanding eventually developed into the main position,capital advantage obviously,improve personnel mechanism,to optimize control mechanism,strategic layout comprehensive local asset management companies.Finally,this paper formulated the Shandong financial asset management company strategic security system,for the realization of the development of strategic objectives to do a good job of security work.Shandong Financial Asset Management Company needs to adapt to the development of The Times,solve various problems in the process of enterprise development,and firm the strategic direction of enterprise development.Only in this way can it become a first-class local asset management company and realize the important mission of helping financialized insurance and enabling industrial transformation.更多还原