文本描述
摘 要
政策性担保公司是指由政府出资的依据政策扶持帮助中小微企业融资贷款担保的
公司,虽然管理模式较为规范,也有较为完善的风险控制制度,但同时也存在许多不足,
如风险承受能力差、行政过多干预、缺乏自主创新性、市场自主化不足等问题。为了能
使政策性担保公司进行可持续的发展,风险管理就成为了公司经营管理的核心,风险管
理部门有责任依据现有市场去研究改进公司的风险管理策略。在我国特有的行政体制和
国家政策下,X政策性担保公司作为一个典型的由政府出资的担保公司,面临着许多制
约公司发展的问题,如过多的行政干预、与银行合作时难以共担风险、缺乏完善的风险
补偿、单一的收入来源等问题
在担保行业中政策性担保公司作为核心力量,只有积极进行内部改革,才能对其他
产业经济的调整起到引导作用。本文以X政策性担保公司为案例分析,结合风险管理相
关理论,对X政策性担保公司的风险现状从政府、客户、银行和公司内部四个方面进行
详细分析,并找出产生业务风险的原因
最后根据X政策性担保公司的风险防范目标,提出以下四点建议:第一,完善组织
结构;第二,完善员工管理体制;第三,完善企业申报审批流程;第四,完善风险预警
机制。对X政策性担保公司的长期发展有一定的参考价值,也对其他担保公司具有一定
的借鉴作用
关键词:政策性担保公司;风险管理;风险防范
ABSTRACT
III
Research of X Policy-based Guarantee Corporation Business
Risk Management
ABSTRACT
As a government-funded Policy-based Guarantee Corporation, although its operations
are relatively standard and its risk control is relatively strict. It is also plagued by problems
such as excessive administrative intervention, insufficient market autonomy, poor risk
tolerance, and insufficient internal innovation motive force. Risk management is the core of
the management of guarantee company. To maintain the sustainable development of Policy-
based guarantee companies, we must conduct research on the risk management strategies of
guarantee companies under the current market environment in China. As a typical
Policy-based Guarantee Corporation, X Policy-based Guarantee Corporation is nominally an
independent market entity, but under the unique administrative system and policy
environment in China, it still faces excessive government intervention, cooperation with
financial companies, lack of risk sharing mechanism, and income. Single source and risk
compensation mechanisms are not perfect. These problems fundamentally restrict the
company's survival and development.
As the backbone of the guarantee industry, Policy-based Guarantee Corporation should
actively complete their own reforms and changes in order to help and guide the optimization
of the national and local industrial economy. This article takes the Policy-based Guarantee
Corporation as a case study, combines risk management related theories, analyzes the risk
status of the X Policy-based Guarantee Corporation from the government, the customer, the
bank and the company's internal four aspects in detail, and find out the reasons for the
business risk.
Finally, based on the X Policy-based Guarantee Corporation's risk prevention objectives,
the following four suggestions are proposed: First, improve organizational structure. Second,
improve staff management system. Third, improve the process of application for approval.
Fourth, improve the risk early warning mechanism. It has certain reference value for the
long-term development of the X Policy-based Guarantee Corporation, and it also has certain
reference effects for other guarantee companies.。