关键词：
担保，中小企业，全面风险管理，再担保III
Abstract
Research on Comprehensive Risk Management of
Northeastern Re-Guarantee Company
As a national important economic form, accounting for half of the small and
medium-sized enterprises, with the deepening of the reform and opening up as well as
the doors open, facing the huge financial difficulties. In order to solve the problem of
the financing difficulties of small and medium-sized enterprises (smes), countries
improve the occasion, a lot of support policies, encourage the relevant Banks,
financial institutions and guarantee agencies to small and medium-sized enterprise tilt,
to fully solve the problem of financing difficulties of small and medium-sized
enterprises. Under this background, the area in the northeast of China, by the ministry
of finance departments jointly fund the most large-scale across regions in China to
guarantee agencies - northeast of small and medium-sized enterprise credit guarantee
co., LTD., arises at the historic moment. Through many years of practical operation,
the northeast and guarantee companies in the region of the support guarantee agencies,
solve small enterprise financing difficult problem of them played a huge role.
But with the continuous expansion of business scale, increasing conservation
projects, the Northeast Guarantee Corporation problems existed in risk management
has gradually appeared, there have been projects have emerged in varying degrees of
risk early warning, or even a compensatory, caused a great influence to the normal
operation of the company. Therefore, the establishment of an effective risk
management system is the inevitable requirement for the Northeast Guarantee
Corporation long-term stability and sustainable development, as the early
establishment of Guarantee Corporation, the Guarantee corporation risk management
experience of foreign and domestic banks, guarantee organization risk management
experiences are only partially, but often can not fully consistent with the
characteristics of Guarantee Corporation, easy to cause the occurrence of greatI
摘 要
东北再担保公司全面风险管理研究
作为国家重要经济的存在形式，对于占半壁江山的中小企业来说，随着改
革开放的快速深入以及国门的不断打开，面临着巨大的资金困难。为了解决这
些中小企业存在的的融资难的问题，国家因势利导，陆续出台了很多的扶持政
策，鼓励相关的银行、金融机构以及担保机构向中小企业倾斜，以全力解决中
小企业融资难的问题。在此背景下，由国家财政部、东北三省一区财政厅和中
国进出口银行共同出资的国内首家也是最大型的跨区域再担保机构——东北再
担保公司应运而生。通过多年的实践运营，东北再担保公司在扶持担保机构、
解决区域内中小企业融资难问题中发挥了巨大的作用。
但是随着业务规模的不断扩大，在保项目的不断增加，东北再担保公司在
风险管理方面存在的问题也逐渐显现，相继有项目在不同程度上出现了风险预
警，甚至发生了代偿，对公司的正常经营造成了较大干扰。因此，建立一套有
效的风险管理体系是东北再担保公司长期稳定可持续发展的必然要求。作为国
内成立较早的再担保公司，只能部分的借鉴国外的再担保公司风险管理经验和
国内银行的风险管理经验，但是往往无法充分符合再担保公司的特点，容易造
成潜在风险发生对公司持续发展的巨大影响。因此，东北再担保公司亟需一整
套行之有效的风险管理制度体系。
本文针对东北再担保公司在风险管理方面的现状和存在的问题，提出了新
的理论分析框架，建立了相对比较适合当前东北再担保公司的风险管理体系，
并提出了配合风险管理体系实施的相关保障策略。同时，结合本人所操作的一
个实际案例，探讨了中小企业信用担保机构进行全面风险管理的问题，讨论了
面向全面风险管理的体系构建，设计了风险的分析流程，并制订了全面风险管
理体系下风险的应对措施。IV
influence on the sustainable development of the company, so the potential risk, risk
management system of northeast and Guarantee corporation need a set of effective.
Northeastern re-guarantee company in risk management, the author of this paper
the present situation and the existing problems, and puts forward a new theoretical
analysis framework, set up suitable for the current northeast to guarantee the
company's risk management system, and put forward the cooperate with security
strategies on the implementation of risk management system. In combination with my
operation by a practical case, this paper discusses the small and medium-sized
enterprise credit guarantee company to conduct a comprehensive risk management
problems, discusses the comprehensive risk management system oriented to build,
design the risk analysis process, and establish a comprehensive risk management
under risk measures.
In this paper, the specific work includes:First, the system analyzes the northeast
to guarantee companies risk management problems that exist in the process.Secondly,
put forward the suitable for the northeast to guarantee company at present risk
management system.Third, according to the confirmed before, during, after the whole
process, full participation, the characteristics of design the security strategy of risk
management system implementation.Finally, combined with the actual case, on the
design of the risk management system and safeguard measure has carried on the
empirical research. Through actual cases to illustrate the effectiveness of the northeast
to guarantee company comprehensive risk management as well as the existing
problems, and hope to be able to reference by other domestic guarantee agencies, of
advancing our country credit guarantee for the healthy and sustainable development
in an all-round way.
Keywords:
Credit guarantee, Small&medium-sized enterprises, Comprehensive risk
management, Re-Credit guarantee第 1 章 绪 论建立了较适合当前东北再担保公司的风险管理体系，并提出了配合风险管理体
系实施的保障策略。
1.3.2 研究内容
本文针对东北再担保公司目前在风险管理的现状和存在的问题，提出了新
的理论分析框架，建立了较适合当前东北再担保公司的风险管理体系，并提出
了配合风险管理体系实施的保障策略。具体的内容是按照以下的结构展开的：
在第一章，阐述了本文的研究背景和研究意义；接着，在第二章中，阐述了东
北再担保公司的发展现状、目前公司的风险管理现状，并结合现状，分析了公
司目前存在的风险管理问题；针对这些问题，在第三章中，提出了新的东北再
担保公司风险管理体系；在第三章的基础上，在第四章，按照项目保前、保中、
保后的全过程，提出了实施风险管理体系的保障策略；最后，总结了全文，并
提出本文的不足，以及可能存在的研究方向。第 1 章 绪 论实际的再担保公司实施作为支撑。正是针对这点遗漏，本文结合具有一定代表
性的东北再担保公司的管理实践出发，从风险管理的体系建设以及实施策略的
角度，阐述了相关的再担保公司的风险管理理论，希望能够成为现有理论的有
益补充、
从实践意义来说，本文所完成的研究具有四个方面的意义：首先，建立有
效的风险管理体系是东北再担保公司长期稳定可持续发展的必然要求，作为国
内成立较早的再担保公司，只能部分的借鉴国外的再担保公司风险管理经验和
国内银行、担保机构的风险管理经验，但是往往无法充分符合再担保公司的特
点，容易造成潜在风险发生对公司持续发展的巨大影响，因此，东北再担保公
司亟需一整套行之有效的风险管理制度体系；其次，对再担保公司风险管理体
系的建立是保证东北地区中小企业信贷金融安全的有效保证，作为东北地区最
大规模的再担保公司东北再担保公司已经于区域内超过 80%的银行、担保机构以
及其他金融机构有过合作关系，可以说，东北再担保已经直接关系着整个东北
地区中小企业信贷金融安全，一旦出现风险，其损失和影响将不可估量；第三，
再担保公司风险管理体系的建立对全国各地的再担保公司的发展可以起到较为
显著的借鉴
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