浅论企业集团财务公司的信用风险管理StudyonCreditRiskManagementoftheEnterpriseGroupFinanceCompanyCandidate：SongLeGangSupervisor：PingXinQiaoChinaCenterforEconomicResearchPekingUniversity版权声明任何收存和保管本论文各种版本的单位和个人，未经本论文作者同意，不得将本论文转借他人，亦不得随意复制、抄录、拍照或以任何方式传播。否则，引起有碍作者著作权之问题，将可能承担法律责任。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StudyonCreditRiskManagementoftheEnterpriseGroupFinanceCompany[SongLeGang]Directedby[PingXinQiao]AbstractThedefinitionofChineseenterprisegroupfinancecompanyisthatenterprisegroupfinancecompanyisanonbandfinanceagencywhichpurposeistostrengthenthecentralizedmanagementandtoenhancetheusingefficiencyofthefundoftheenterprisegroup.Chineseenterprisegroupfinancecompanyalsoprovidesfinancialmanagementserviceforbusinessenterprisegroup.Afterabriefintroductionofthebackgroundandcurrentsituationofthecreditriskmanagementoftheworld,thethesisrevealedthebasicfactorsinthecreditafterthestudyongamblebetweenthecreditorandthedebtor.Thepresentinstitutionofourcountrywasalsobeanalyzedinthisthesis.Thedevelopinghistoryoftheenterprisegroupfinancecompaniesshowedthatthecreditriskissignificant.Onthebasisoftheinvestigationofthecreditriskmanagementexperiencesandproblemsintheworld,afeasibleschemeofthecreditriskadministrationsforfinancecompaniesofourcountrywasdesigned.Inthescheme,theconstructionofthecreditculture,thecontrolofthecreditriskandthemeasurementofthecreditwereespeciallyemphasized.KeyWords：financecompany,creditrisk,riskmanagement目录摘要........................................................................................................................1Abstract...........................................................................................................................1引言........................................................................................................................11.课题的背景与意义......................................................................................................11.1课题背景........................................................................................................11.2课题意义........................................................................................................11.3课题研究的主要内容....................................................................................11.4课题研究方法................................................................................................11.5课题研究的关键点和创新点........................................................................12.信用风险管理理论综述.............................................................................................12.1金融风险管理理论........................................
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