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MBA毕业论文_基于民间借贷的深圳HT担保公司风险控制分析(67页).rar

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文本描述
摘 要
目前来说,民间借贷在深圳的需求量极大,根据深圳市中小企业服务中心的调
查结果我们可以看出,其中有融资需求的中小企业达到80%甚至更多,而每年内光
深圳市的中小企业融资的需求高达12670亿元。但是面对中小企业这么大的融资需
求,深圳银行对其的资金支持力度却十分有限,根据相关的数据统计,就中小企业
的融资问题深圳市内的资金缺口高达1万亿元之多。

近年来,一些企业或者个人在资金短缺时往往第一时间会求助于担保公司或者
是财务公司,甚至会向个人借款,很少会考虑到向银行申请。原因就是银行审批手
续繁琐,而且对于借款人的要求比较高。以深圳担保公司为例,取其中的20家,这
20家担保公司为中小企业以及个人所累积发放的贷款已经超过了 80亿元之多,在
前些年的深圳,担保公司还是一种新鲜事物,但是发展到今天担保公司在深圳已经
如雨后春笋遍地都是。无论是在福田CBD这个金融机构鳞次栉比的地区,还是在
深圳的华强北闹市区,甚至在一些住宅小区内,到处都有着担保公司的身影。随着
担保公司在深圳的迅速发展,有一些业内人士这样认为:这些担保公司对于商业银
行的传统信贷业务来讲,在一定程度上起到了相应补充作用,对于一些中低收入人
群的资金迫切需求有了相应的满足,并且在某种程度上对于中小企业的融资困难问
题有相应的缓解。

本文通过多种分析方法,以实证分析法为主导,对HT担保公司企业所从事的
企业担保业务所面临的各种风险,进行比较详细的研究。首先,对信用担保基本原
理及民间信用担保机构功能与中介业务进行介绍,并介绍了我国企业信用担保与中
介业务风险以及担保模式的创新模式;在此基础上对深圳市HT担保公司现状及问
题分析包括对深圳市HT担保公司内部环境现状进行分析,并对深圳市HT担保公
司外部环境风险分析和内部环境风险分析;继而对HT担保公司建立企业信用担保
项目风险评价,建立评价模型,并进行实证分析,最后对深圳市HT担保公司风险
防范机制进行研究,提出降低外部风险的对策与建议及降低内部风险的对策与建
议,建立三大风险防范控制体系。

本文以为在担保的整个过程中,要对于事前、事中、事后的控制做到防范,艮口,
信用担保风险预防机制、建立信用评分模型、保后跟踪预警系统。希望通过对深圳
市HT担保公司从事企业担保的风险问题进行研究和分析,提出确实可行的风险控
制方案,给从事担保行业的担保公司在控制风险方面提供借鉴。

关键词:深圳市HT担保公司;企业担保中介业务;风险管理
Abstract
Demand for private lending in Shenzhen is very big. Service Center for small and
medium-sized enterprises in Shenzhen showed that 70% small and medium-sized
enterprises have financing demand, and the annual Shenzhen city in limit of SME
financing demand up to 1.26 trillion Yuan. But in the face of such a big demand of
financing of small and medium-sized enterprises, the financial support from bank of
Shenzhen is very limited, according to the relevant statistics, the funding gap of financing
of small and medium enterprises in Shenzhen City is overl trillion Yuan.
In Shenzhen city, take small loan company for example, the20 guaranty companies
for small and medium enterprises as well as an accumulated loans had exceeded 8000
million Yuan, in previous years, Shenzhen, the petty loan company is a fresh thing, but
the development of this guaranty companies has been in Shenzhen like bamboo shoots
after a spring rain and are everywhere. Whether in the Futian CBD abundant in financial
institutions, or in Shenzhen Huaqiangbei downtown, or even in some residential areas,
there are small loan companies. With the development of small loan companies in
Shenzhen, some industry insiders said, the small loan companies, compared with
commercial bank's traditional credit business, to a certain extent, have the corresponding
complementary role to meet some low income crowd's funding needs and resolve small
and medium enterprises financing difficulties. In this paper, through a variety of methods,
with empirical analysis being dominant, the risks faced by HT Guarantee Corporation
engaged in the enterprise security business are studied in detail, the conclusion is:
In this paper, through a variety of methods, empirical analysis is dominant, the risks
faced by HT Guarantee Corporation engaged in the enterprise security business are
studied in detail. First of all, the credit guarantee and the basic principles of folk credit
guarantee institutions' function and intermediary business are introduced, and introduced
our country enterprise credit guarantee and intermediary business risk and guarantee
mode innovation mode; on the basis of HT Guarantee Corporation in Shenzhen analysis
of the status quo and problems of Shenzhen City, including HT Guarantee Corporation
internal environment analysis of the status quo, and the Shenzhen HT Guarantee
Corporation external environment and internal environment risk analysis risk analysis;
then the HT Guarantee Corporation to establish enterprise credit guarantee project risk
evaluation, establishes the evaluation model, and empirical analysis,the final to the
Shenzhen HT Guarantee corporation risk prevention mechanism, put forward to reduce
the external risk countermeasure and the suggestion and reduce internal risk
countermeasures and suggestions in three, establishment of risk control system.
This article thought in the guarantee of the whole process, want to advance, in the
matter, after the control to prevent,i.e., credit guarantee risk prevention mechanisms,
establish the credit scoring model, and after tracking warning system. Hope through to the
Shenzhen HT Guarantee Corporation engaged in enterprise security risk issue of research
and analysis, puts forward the feasible risk control plan, to engage in security industry
Guarantee Corporation in risk control reference.
Key words: Shenzhen HT Guarantee Corporation; enterprise security intermediary
business; risk management