浅论企业集团财务公司的信用风险管理(doc 50页).doc

浅论企业集团财务公司的信用风险管理
Study on Credit Risk Management of the Enterprise Group pany
Candidate: Song Le Gang
Supervisor: Ping Xin Qiao
China Center for Economic Research Peking University

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摘要
集团财务公司指以加强企业集团资金集中管理和提高企业集团资金使用效率为目的,为企业集团成员单位(以下简称成员单位)提供财务管理服务的非银行金融机构。
本文采用将理论研究和实证研究相结合的研究方法,从对国内外信用风险管理的理论和实践调研着手,揭示了信用动因,同时客观地分析了目前我国信用制度状况。在全面介绍我国企业集团财务公司的历史发展沿革及其风险状况后,指出信用风险对于财务公司风险管理的重要性。在借鉴国内外同行的信用风险管理模式的基础上,针对目前管理上普遍存在的问题,设计了一个适合我国企业集团财务公司信用风险管理的可行方案,强调了信用文化的建立、信用风险的内控和信用评级。
关键词:财务公司;信用风险;风险管理
Study on Credit Risk Management of the Enterprise Group pany
[Song Le Gang]
Directed by [Ping Xin Qiao]
Abstract
The definition of Chinese enterprise group pany is that enterprise group pany is a non band finance agency which purpose is to strengthen the centralized management and to enhance the using efficiency of the fund of the enterprise group. Chinese enterprise group pany also provides financial management service for business enterprise group.
After a brief introduction of the background and current situation of the credit risk management of the world, the thesis revealed the basic factors in the credit after the study on gamble between the creditor and the debtor. The present institution of our country was also be analyzed in this thesis. The developing history of the enterprise group panies showed that the credit risk is significant. On the basis of the investigation of the credit risk management experiences and problems in the world, a feasible scheme of the credit risk administrations for panies of our country was designed. In the scheme, the construction of the credit culture, the control of the credit risk and the measurement of the credit were especially emphasized.
Key Words:pany, credit risk, risk management
目录
摘要 2
Abstract 3
引言 3
4
课题背景 4
课题意义 5
课题研究的主要内容 6
课题研究方法 6
课题研究的关键点和创新点 6
2 .信用风险管理理论综述 7
金融风险