融资担保公司担保项目风险评价及控制方法研究
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摘要
本文针对融资担保公司融资担保项目风险评价及控制方法问题做了相应的研究,力求完善融资担保公司的风险评价及控制机制,为推动我省中小型融资担保公司的风险评价研究、风险控制体系建设以及提高融资担保公司风险管理水平提供参考。
论文从国内融资担保公司的发展现状出发,将理论分析和应用相结合,阐述了融资担保公司所面临的内外部风险和担保项目操作中各环节的风险因素,通过吸收和借鉴国内外先进的风险管理理论和方法,并根据笔者这几年融资担保工作的经验总结,将担保项目风险评价和控制方法加以改进,并以水电站和贸易型企业融资担保项目为例进行应用,为担保公司实施风险管理提供实际有效的方法。
论文首先提出了研究融资担保公司风险的目的和意义,从国内外融资担保行业发展出发,介绍S担保公司发展概况,然后通过对融资担保理论的综述,分析担保公司面临的内外部风险和S融资担保公司担保项目操作过程中每个环节的风险因素,着重提出了改进担保项目风险控制方法,并结合公司M和N贷款担保项目进行了实例分析,验证了风险评价方法和控制方法的实用性和有效性,从而达到有效控制担保项目风险的目的。
The article is an empirical research paper for the risk assessment of secured financing products. The paper strive to Complete the risk assessment and control mechanisms of S Credit Guarantee Company and give reference to the research of the risk assessment of small and medium financial company,enhancing construction of credit risk management system and promoting the level of risk control.
The paper, from the domestic status quo of the financing secured company's development, combined the theoretical analysis and case study, explained the internal and external security risks the A company facing and all aspects of project risk factors in guarantee operation, learned by absorbing the advanced credit risk management theory and methods from foreign countries to improve the risk assessment method, and find the practical measures for risk manage.
Firstly,the paper introduces the research of credit guarantee institutions at home and abroad, the purpose and significance of security industry development, then analyses the internal and external guarantee company S face risks and guarantee project S development situation operation process each link of risk factors through the financing theory, and puts forward the improvement guarantee project risk assessment method. By combining with company M and N loan assures the case analysis, it verifies the risk assessment method, so achieves the practicability and validity of the control project risk guarantee.
论文从国内融资担保公司的发展现状出发,将理论分析和应用相结合,阐述了融资担保公司所面临的内外部风险和担保项目操作中各环节的风险因素,通过吸收和借鉴国内外先进的风险管理理论和方法,并根据笔者这几年融资担保工作的经验总结,将担保项目风险评价和控制方法加以改进,并以水电站和贸易型企业融资担保项目为例进行应用,为担保公司实施风险管理提供实际有效的方法。
论文首先提出了研究融资担保公司风险的目的和意义,从国内外融资担保行业发展出发,介绍S担保公司发展概况,然后通过对融资担保理论的综述,分析担保公司面临的内外部风险和S融资担保公司担保项目操作过程中每个环节的风险因素,着重提出了改进担保项目风险控制方法,并结合公司M和N贷款担保项目进行了实例分析,验证了风险评价方法和控制方法的实用性和有效性,从而达到有效控制担保项目风险的目的。
The article is an empirical research paper for the risk assessment of secured financing products. The paper strive to Complete the risk assessment and control mechanisms of S Credit Guarantee Company and give reference to the research of the risk assessment of small and medium financial company,enhancing construction of credit risk management system and promoting the level of risk control.
The paper, from the domestic status quo of the financing secured company's development, combined the theoretical analysis and case study, explained the internal and external security risks the A company facing and all aspects of project risk factors in guarantee operation, learned by absorbing the advanced credit risk management theory and methods from foreign countries to improve the risk assessment method, and find the practical measures for risk manage.
Firstly,the paper introduces the research of credit guarantee institutions at home and abroad, the purpose and significance of security industry development, then analyses the internal and external guarantee company S face risks and guarantee project S development situation operation process each link of risk factors through the financing theory, and puts forward the improvement guarantee project risk assessment method. By combining with company M and N loan assures the case analysis, it verifies the risk assessment method, so achieves the practicability and validity of the control project risk guarantee.
引文
[1]王延中.国外对中小企业的管理与扶持政策[M].北京：经济科学出版社,2000.
[2]杨锡怀.杜辉.中小企业信用探索与实践[M].沈阳：东北大学出版社,2002.
[3]王鹏.担保理论研究[M].北京：中国金融出版社,2005.
[4]陈本寒.担保法通论[M].武汉：武汉大学出版社,1995.
[5]刘新来.信用担保概论与实务[M].北京：经济科学出版社,2006.
[6]刘力.行为金融理论对效率市场假说的挑战[J].北京：经济科学出版社,1993(3).
[7]中国投资担保有限公司.2006中国担保论坛[M].北京：经济科学出版社,2006.
[8]傅剑.中小企业金融支持问题研究[J].管理世界,2001.
[9]白钦先,薛誉华.各国中小企业政策性金融体系比较[M].北京：金融出版社,2001.
[10]王琼,陈金贤.信用风险定价方法与模型研究[J].北京：金融与保险,2002(10).
[11]陈洪隽.世界各国中小企业信用担保体系概况[M].北京：中国经济出版社,2000.
[12]StanleyE,Zina B. Are behavioral asset-pricing models structural?Journal of Monetary Eeonomics[M]. NewYork:Academic Pr.2002.
[13]Hersh Shefrin,Meir Statman, Behavioral Portfolio Theory[M], Journal of Financial and Quantitative Analysis,2000.
[14]Llewllyn, D. Alternative approaches to Financial regulation[M],Paper presented at the 1999; Institure of Eeonomic Affairsm, Financial Regulation Leeture, Oetober
[15]Russell J. Fuller,Behavioral Finance and the Sources of Alpha[M],2000:Working Paper.
[2]杨锡怀.杜辉.中小企业信用探索与实践[M].沈阳：东北大学出版社,2002.
[3]王鹏.担保理论研究[M].北京：中国金融出版社,2005.
[4]陈本寒.担保法通论[M].武汉：武汉大学出版社,1995.
[5]刘新来.信用担保概论与实务[M].北京：经济科学出版社,2006.
[6]刘力.行为金融理论对效率市场假说的挑战[J].北京：经济科学出版社,1993(3).
[7]中国投资担保有限公司.2006中国担保论坛[M].北京：经济科学出版社,2006.
[8]傅剑.中小企业金融支持问题研究[J].管理世界,2001.
[9]白钦先,薛誉华.各国中小企业政策性金融体系比较[M].北京：金融出版社,2001.
[10]王琼,陈金贤.信用风险定价方法与模型研究[J].北京：金融与保险,2002(10).
[11]陈洪隽.世界各国中小企业信用担保体系概况[M].北京：中国经济出版社,2000.
[12]StanleyE,Zina B. Are behavioral asset-pricing models structural?Journal of Monetary Eeonomics[M]. NewYork:Academic Pr.2002.
[13]Hersh Shefrin,Meir Statman, Behavioral Portfolio Theory[M], Journal of Financial and Quantitative Analysis,2000.
[14]Llewllyn, D. Alternative approaches to Financial regulation[M],Paper presented at the 1999; Institure of Eeonomic Affairsm, Financial Regulation Leeture, Oetober
[15]Russell J. Fuller,Behavioral Finance and the Sources of Alpha[M],2000:Working Paper.