第1章绪论·························································································1 1.1选题背景和选题意义····································································1 1.1.1选题背景···········································································1 1.1.2选题意义···········································································1 1.2相关理论和文献综述····································································2 1.2.1理论基搐··········································································2 1.2.2文献综述···········································································3 1.3研究内容、方法和思路框架···························································4 1.3.1研究内容···········································································4 1.3.2研究方法···········································································4 1.3.3研究思路和框架··································································5 第2章担保公司风险管理概述·································································7 2.1担保公司风险的概念及特征···························································7 2.1.1担保公司的概念··································································7 2.1.2担保风险的概念··································································7 2.1.3担保风险的主要特征····························································7 2.2担保公司风险管理的内容······························································8 2.2.1风险识别···········································································9 2.2.2风险评估···········································································9 2.2.3风险管理方法·····································································9 第3章GK公司担保风险管理流程描述····················································11 3.1GK公司概况·············································································11 3.2GK公司担保业务风险分类···························································13 3.2.1来自借款人的风险······························································14 3.2.2来自授信人的风险······························································15 3.2.3来自公司内部的风险···························································15 3.2.4来自担保体系的风险···························································16 3.2.5来自政府的风险·································································16 3.3GK公司担保风险管理流程描述·····················································17 3.3.1保前的风险管理流程···························································18 3.3.2保中的风险管理流程···························································18 3.3.3保后的风险管理流程···························································19 2 第4章GK公司风险管理流程存在的问题及原因分析··································20 4.1GK公司风险管理流程存在的问题··················································20 4.1.1保前风险管理存在的问题····················································20 4.1.2保中风险管理流程存在的问题··············································22 4.1.3保后风险管理流程存在的问题··············································22 4.1.4全过程风险管理流程存在的问题···········································23 4.2GK公司风险管理存在问题的原因分析············································23 4.2.1人员综合素质良莠不齐························································23 4.2.2公司不同发展阶段的战略变化··············································24 4.2.3纷杂的市场因素·································································25 4.2.4担保公司的特性·································································26 4.2.5权责设置不合理，缺乏监督机制和奖惩体制····························26 第5章GK公司担保风险管理流程优化方案··············································27 5.1GK公司担保风险管理流程优化目标···············································27 5.2GK公司担保风险管理流程优化方案···············································27 5.2.1保前风险管理流程优化························································27 5.2.2保中风险管理流程优化························································30 5.2.3保后风险管理流程优化························································31 5.2.4GK公司担保风险管理优化后流程·········································35 5.3GK公司担保风险管理流程优化的保障措施·····································36 5.3.1加强全过程风险管理···························································36 5.3.2加强相关业务发展······························································36 第6章结论与展望········································································