本篇论文目录导航：
【题目】我国担保企业风险控制能力探究
【第一章】融资性担保企业风险防控力研究绪论
【第二章】融资担保企业与全风险管理文献综述
【第三章】融资性担保企业风险控制能力影响因素模型的构建
【第四章】企业担保风控能力问卷设计及数据质量分析
【第五章】企业风险控制能力相关因素模型实证分析
【结论/参考文献】融资担保企业风控能力调研结论与参考文献
摘 要
融资性担保企业指担保企业做为信贷业务中的第三方，与银行等债权人约定，在被担保的债务人无法如约履行偿债义务时，由担保企业依法承担合同约定的担保责任。随着我国民间金融的不断发展，担保行业日益扩大，促进了地方资金融通，推动中小型企业的发展，弥补了正规金融的不足。但由于担保企业作为正规金融的补充，其客户质量的差异性和担保业务的内容，使其始终面临着较高风险。因此，担保企业的风险控制一直是国内外关注的热点。加之，近一年来，我国温州、洛阳、西安等地的担保企业全面崩盘，给地区经济、社会带来了较大影响，解决担保企业的风险控制问题成为了一个重要课题。
本文主要以融资性担保企业为研究对象，首先对我国融资性担保企业的业务流程进行梳理，结合实际情况对于其面临的内、外部风险进行总结和分析，发掘实际存在的风险控制问题；其次，考虑到担保企业面临风险问题的复杂性，本文参考了COSO 组织提出的全面风险管理的方法，基于过程管理和配套设施的全面风控方法，最终归纳出目前影响我国融资性担保公司风险控制能力的五个主要因素；之后，本文从实证分析的角度对担保企业的风险控制能力进行分析和研究，基于五个主要影响因素和实际情况提出相关的假设，建立了相关的模型。通过调查问卷的方式进行实证数据收集后，检验了五个因素对我国担保企业风险控制能力的影响，并找到了其间的相互关系。
本文通过实证分析验证了有关于风险控制的五个主要影响因素和风险控制的有效性以及协整性之间的关系，完成了对于假设的检验。同时找到了对于担保企业风险控制较为重要的几项因素，并对各个因素重要性和相互关系有了较为清晰的认识。
同时，模型检验的结果也反映出了一些因素对于风险控制能力的反作用，例如，在风险管理初级水平的情况下，保后管理与监督对于风险控制的协整性具有一定的反作用，但是当整体的风险管理水平提高到一定程度之后，其对风险控制有一定的促进作用，同时，信息管理与控制对于风险控制的有效性也有同样的影响。本文还得出各大影响因素对于风险控制能力的正向影响在一定的程度下效果较佳，但是如果不考虑整体的风险管理能力，单一的增强其中的某一项管理对于整体的风险控制会有反向的作用。这一现象在担保业务的运营环境对于风险控制的协整性和保后管理与监督对于风险控制的有效性方面尤为明显。基于本文的研究结果，担保企业在增加自身风险控制能力的过程中应该平衡各个因素的管理强度，对于自身情况进行充分的了解之后选择较为合理的风险管理方式；同时，应该考虑一些因素的反向影响，避免由于单项的风险管理问题对于整体的风险控制能力产生干扰。
关键词：担保企业，风险控制能力，因子分析，回归分析
ABSTRACT
Financing guarantee company refers to guarantee company as a third party of creditbusiness, with Banks and other creditors agreed, in the guarantee can't keep the debtor tofulfill its obligations, the guarantee company shall bear the liability for guaranteeing theagreed in the contract. With the continuous development of our country folk finance,guarantee industry growing, promoted the local financing, promote the development ofsmall and medium-sized companies, and make up for the deficiency of the formalfinancial. But due to guarantee company always be a supplement to the formal financial,the customer quality difference and the content of the guarantee business, so that it isalways faced with higher risk. Therefore, guarantees the company risk control has beenthe hot topic of both at home and abroad. In addition, for nearly a year, guaranteecompanies in Wenzhou, Luoyang, Xi'an overall collapsed, brought great influence to theregional economy, society. Solving the guarantee company risk control has become animportant subject.
Financing guarantee company is the research object in this thesis. Firstly, we combfor financing guarantee company's business process, in combination with the actualsituation to its carries on the summary and the analysis of internal and external risks, theexcavation of the existence of some risk control problem; Secondly, considering thecomplexity of risk faced by guarantee companies, we referenced Enterprise RiskManagement methods put forward by the COSO organization. Based on processmanagement and supporting facilities of ERM, to the complexities of risk controlproblem is analyzed, finally concludes the influence the financing guarantee companiesrisk management of our country at present the five main influence factors. This articlefrom the perspective of empirical analysis to guarantee company risk control ability ofanalysis and research, based on the five main influence factors and the actual situation putforward relevant assumptions, after the relevant model was set up. Empirical datacollected by means of questionnaire, survey the four factors influence on our guaranteecompany risk control ability, and find the relationship of meantime.
In this article, through the empirical analysis to verify the five main influence factorson risk control and risk control the effectiveness of cointegration and sex, the relationshipbetween the completed for hypothesis test. Found at the same time to guarantee companyrisk control is important of several factors, and the importance and the relationshipbetween the factors that have a more clear understanding. At the same time, the modeltest results also reflects some of the factors for the adverse effects of the risk controlability, for example, in the primary level of risk management, insurance management andsupervision of risk control after integration has certain adverse effect, but when theoverall level of risk management to a certain extent, its control for risk management havea certain role in promoting, at the same time, the validity of the information managementand control for risk management also has the same effect. This paper also concludes thatthe major influence factors for risk control management under the positive influence in acertain degree of effect is better, but if we do not consider the overall risk managementability, constantly enhance one of these management for overall risk control will be areverse effect, this phenomenon in the guarantee business operating environment for riskcontrol of cointegration and confirmed after the effectiveness of the management andsupervision for risk control aspect is especially obvious. Based on the results of thisarticle, guarantees the company to increase its ability of risk control should balance thevarious factors in the process of management strength, after fully understanding foroneself circumstance to choose reasonable way of risk management; At the same time,the reverse should consider some factors, avoid because of the individual riskmanagement problems for the overall risk control ability.
Keywords: Guarantee Company, Risk Control, Factor Analysis, Regression Analysis
目 录
中文摘要
英文摘要
1 绪 论
1.1 研究背景与问题提出
1.1.1 研究背景
1.1.2 研究问题的提出
1.2 研究目的和意义
1.3 研究内容与基本框架
1.3.1 研究方法
1.3.2 研究技术路线
1.3.3 主要内容及结构
1.4 论文的特色
2 理论基础与文献综述
2.1 我国融资性担保企业风险来源及管理研究
2.1.1 我国融资担保业务流程
2.1.2 我国融资性担保公司的风险分析
2.1.3 风险管理方法
2.2 全风险管理特征及其影响效应研究
2.2.1 过程管理的特征及其影响效应
2.2.2 配套设施特征及其影响效应
3 融资性担保企业风险控制能力影响因素模型的构建
3.1 理论模型的构成要素分析
3.1.1 风险控制能力影响因素的选择与概念
3.1.2 风险控制能力的体现与概念
3.2 理论模型关系假设
3.2.1 风险识别与评估和风险控制能力的关系假设
3.2.2 保后管理与监督和风险控制能力的关系假设
3.2.3 担保业务运行环境与风险控制能力的关系假设
3.2.4 人力资源与风险控制能力的关系假设
3.2.5 信息管理与控制和风险控制能力的关系假设
3.3 理论模型框架
4 问卷设计及数据质量分析
4.1 调查问卷设计及概况
4.2 变量的测度
4.2.1 因变量的测度
4.2.2 自变量的测度
4.3 小样本调查
4.4 大样本调查
4.5 样本数据质量分析
4.5.1 信度分析
4.5.2 效度分析
5 实证分析
5.1 融资性担保企业的描述性统计分析
5.2 风险控制能力影响因素模型的因子分析
5.3 风险控制能力影响因素模型的相关分析
5.4 风险控制能力影响因素的回归分析
5.5 研究结论
6 结论与建议
6.1 结论
6.2 建议
致 谢
参考文献
