对于JC融资担保公司风险管理战略的分析

本文是管理论文，管理论文涉及的领域十分广泛，包括工商管理、企业管理、行政管理、人力资源管理、信息管理、财务管理等诸多方面。管理论文实用性强，主要依托于管理理论的指导，运用全球化战略思维，借鉴国际上先进的管理经验，从企业战略的规划和制定到资产资本的运营，从人力资源的管理调配到企业的管理模式等等。（以上内容来自百度百科）今天硕博网为大家强烈推荐一篇管理论文，供大家参考。1 Introduction1.1 Research bacground and significanceThe society has ept maing progress and the world economy is beingincreasingly periodic. Under this case, small and medium sized panies haveturned to be the bacbone of economic development for all countries if taing areview on the development history of global economy. Compared with other inds ofpanies, small and medium sized panies have their own characteristics in viewof their asset size and operation scales. Their survival and development plays a eyrole in promoting the economic development of all countries.At the same time, however, SEMs are wea in eeping operational stability andresisting riss, leading to problems lie low credit and violation phenomenon.Therefore, they cant get recognition from financial institutes lie bans, resulting indifficulties of financing and sluggish development. To accelerate the development ofSEMs and help them relieve pressures on financing, governments of differentcountries have introduced financing guarantee and established related system toimprove the credibility of SEMs.However, it will not be easy to implement financing guarantee system. This is becausethat the high riss, imperfect governance structure and maret system of SEMs haveled to a high venture nature of financing guarantee industry. To eep a sustainabledevelopment, financing guarantee corporations are required to manage various risseffectively during the process of operating.By establishing an overall ris management system with the aid of scientific method,financing guarantee corporations can better control riss and achieve sustainabledevelopment..........1.2 Research contents and approachesThis dissertation is posed of 4 parts. They are explained as follows:Part 1(chapter 1) is the introduction, explaining the bacground, purpose andsignificance of this dissertation. It also sets up a framewor for the research.Part 2 (including chapter 2, 3 and 4) has analyzed theories related to ris management.Relevant literatures are explored and the riss as well as business model of financingguarantee corporations are explained. It has also introduced the status quo of thewhole industry in China with a case analysis of C Finance Guarantee Corporation.Part 3 (including Chapter 5 and 6) is the core of the dissertation. A basic frameworfor established enterprise ris management system has been formulated.Part 4 (Chapter 7) has made a summary and has pointed out the shortings of thedissertation, providing prospects for further study.Based on literatures both at home and from abroad, this dissertation has explainedtheories related to ris management of financing guarantee. It is then followed by acase analysis of C Finance Guarantee Corporation whose riss and causes have beenexplored. Then the business model and major riss of financing guaranteecorporations are introduced. It has also been extended to the status quo and future ofthe whole industry. Finally, based on enterprise ris management theory, a basicframewor is established deal with riss by incident recognition and ris transfer orsharing. in the meantime, the internal environment and activity and informationmanagement system should also be improved provide favorable conditions for rismanagement...........2 Literature Review2.1 Connotation of Ris ManagementRis management is a method used to deal with riss and guarantee the safety underthe guidance of cost benefit principle. Ris management controls the riss from theirroots through incident recognition, evaluation and response. And finally, the results ofriss will be properly handled.Enterprise ris management intends to create the atmosphere of ris management inthe pany and to control riss occurring during operation with the aid of supportingsystem lie information system. It is established under the framewor of overall rismanagement system. And its final goal is to help the pany achieve businessobjectives.Overall ris management entails a series of factors. Different from traditional rismanagement, its management philosophy is that riss should be evaluated fromholistic perspective. And its management objects are riss confronting the pany.Overall ris management is targeted at achieving the maximization of value and profitfor the pany of shareholders. The tools used in overall ris management involvesValue-at-Ris model and ris adjusted return on capital. With the aid of poundmode and ris-management tools, the chief ris officer is responsible for collectingriss and managing them.............2.2 Connotation and Elements of COSO Overall Ris ManagementIn September 2004, COSO Committee issued Integrated Framewor for Overall RisManagement. This document has given a clear definition of overall ris managementand provides guidance for the implementation of ris management.COSO believes that uncertain incidents will influence the business activities of apany. And the function of overall ris management is to identify these incidentsand evaluate their influence on the operation of the pany. Negative influence mustbe managed and controlled. Overall ris management must be conducted throughoutthe whole of process of pany operation. All the employees are supposed to beinvolved to achieve business goals for the pany.Overall ris management is used throughout the process from setting business goals totheir implementation. It is posed of dimensions, targets, tiers and elements. Under the three dimensions, the eight elements and four tiers all serve the four goals. Rismanagement of each tier is conducted according to 8 factors. And each rismanagement is accordingly targeted at specific goals, factors and tiers ( as shown inFigure 2-1)..........3 Introduction to Financing Guarantee Industry and Companies......123.1ABrief Introduction to Financing Guarantee Companies........123.2ABrief introduction to C Financing Guarantee Company.....193.3 The Business Model of C Financing Guarantee Company....193.4 Riss of C Financing Guarantee Company..........234 The Status Quo of C'S Ris Management and Analysis of Causes to Riss...........254.1 The Status Quo of C Financing Guarantee Companys Ris Management... 254.2Analysis of Causes to Riss of C Company.........314.2.1 Systematic Riss..........314.2.2 Unsystematic Ris.......315 Suggestions on Optimizing the Strategic Ris Management of C Company..........355.1 Establishment of Goals......355.2 The Construction of Management Process............365.3 The Construction of Supporting Facilities....365.4 Ris Recognition of Financing Guarantee Company..... 405.5 RisAssessment of Financing Guarantee Companies....445.6 Ris Response of Financing Guarantee Companies.......505 Suggestions on Optimizing the Strategic Ris Management of C CompanyBased on the diversification of ris and causes analysis, this chapter intends toestablish a basic framewor of overall ris management system for financingguarantee panies. This system is designed to recognize and resolve riss. Theframewor is shown in figure 5-1:5.1 establishment of goalsThe establishment of strategic objectives should be bined with the mission andvision of the pany. Based on financing guarantee, the strategic objective of CCompany is providing services for SEMs,; seeing to multilateral benefits involvingshareholders, executives and employees; achieving sustainable development.The operational goals should be established upon the practical situation of the pany bt resolving the goals into safety goals and profitable targets. The safetygoals are established for ris management. And realize this goal, pensation rate,loss rate and other monly used measurements can be introduced. Profitable targetsare related to the profitability of the pany. Measurements lie ine fromguarantee service and profit can be introduced as goals. Development goals arethose which are related to the future development of the pany. The goals can bemeasured by the number of branches, business volume and the number of employees.

.........conclusionFinancing guarantee industry provides credit enhancement for the financing ofmiddle- and small-sized enterprises, which help solid support to solve their problemsin financing. However, financing guarantee industry is monly believed to containhigh ris and low benefit. Therefore, it is a must to pay attention to ris management.Based on the C case analysis of financing guarantee, the thesis adopts COSOEnterprise Ris Management Framewor to build an enterprise ris managementframewor for financing guarantee panies. The study has the followingconclusions.Despite the high ris in financing guarantee enterprise, ris is not entirelyuncontrollable. By establishing prehensive ris control system, ris can bemanaged effectively. Financing guarantee panies that provide financing and creditenhancement services are facing a series of riss, whose uncertainty and plexitymay cause them to suffer from pensatory loss. By establishing a prehensiveris management system, generating ris control awareness at every level internallyand creating a benign ris control environment, riss can be control and manageddynamically, which can thus provide guarantee for the sustainable development of thepany.Constructing prehensive ris management framewor in financing guaranteeenterprise includes the construction of objective, management process and supportingfacility. The construction of objective focuses on the construction of strategy,operation, report and pliant objectives; management process revolves aroundobjective elements and constructs a management closed cycle of identification ofevent, appraisal of ris, ris handling and supervision, which provides constantdynamic management on pany riss; Construction of supporting facility refersconstructing benign internal environment, control activity and information system,which ensures the effective operation of the whole system...........References (abbreviated)