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Management Of Credit Risk In The Credit Guarantee System

Posted on:2004-12-13Degree:MasterType:Thesis
Country:ChinaCandidate:S S DengFull Text:PDF
GTID:2156360092980192Subject:Technical Economics and Management
Abstract/Summary:PDF Full Text Request
The Credit Guarantee system for Medium and small-sized Enterprises (MSEs)has coming into existence in many area of China and are engaged in the work of financing guarantee for MSEs. On the whole, they have achieved some valuable solutions to the difficulties in financing in MSEs and to the credit risk in commercial bank . However some problems in operation were coming forth during this period. These problems can be described at two aspects: the unsatisfied operation environment in macroscopic and the problem in management of credit risk in microcosmic. Such problems as there are have seriously endangered the smooth running of Credit Guarantee institution and decreased the effect of them .To remove these obstacles, it is very necessary for us to find out some effective way as soon as possible.To regularize these affairs and for its continuous development,it will be very important for us to culture a proper environment while enhance control on credit risk .But how to calculate the credit risk is still a gap in practice .In this condition, the key task of Credit Guarantee Institution for credit risk control is to figure out the credit risk situation of MSEs then determine the fee rate of guarantee which lies on it.Many researches results show that the credit risk of a enterprise relate to credit situation of it so it will be helpful to describe credit risk situation by measuring of credit situation correctly.After analysis present credit evaluate system, I find there exist some thing need to be adapted for practical needs in our country. For example, the index system of it is not scientific enough. Most index in this index group are financial index so can not indicate the development in the future, and even some of themare substituted for each other. The most important of all is that we don't have a special credit evaluation model for MSEs which can embody the nature of creativity expansibility of MSEs in our country.The goal of this thesis is to research how to help Credit Guarantee Institution to control credit risk by establishing a credit evaluation model for MSEs and accordingly improve the Credit Guarantee system in our country.As we know , in all kinds of MSEs ,Technology-based Firms are the most innovative enterprises. After over twenty years, they come in to act as a very important role for adjusting economy structure and achieving rapid progress in our country .So focusing in Technology-based Firms and basing on the findings of overseas Venture Investment Institution this thesis establish a credit evaluation model which can summarize the character of Technology-based Firms. The goal of this model is not only to evaluate credit situation of them but also find out the reason when the situation is not satisfied. Furthermore the result of it can help Credit Guarantee Institution for understanding the credit risk situation and decision-making.
Keywords/Search Tags:MSEs, Credit Guarantee, Credit Risk, Credit Evaluation
PDF Full Text Request
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