浅论企业集团财务公司的信用风险管理

--PAGE1StudyonCreditRiskManagementoftheEnterpriseGroupFinanceCompanyCandidate：SongLeGang KeyWords：financecompany,creditrisk,riskStudyonCreditRiskManagementoftheEnterpriseGroupFinanceCompany[SongLeDirectedby[PingXinThedefinitionofChineseenterprisegroupfinancecompanyisthatenterprisegroupfinancecompanyisanonbandfinanceagencywhichpurposeistostrengthenthecentralizedmanagementandtoenhancetheusingefficiencyofthefundoftheenterprisegroup.Chineseenterprisegroupfinancecompanyalsoprovidesfinancialmanagementserviceforbusinessenterprisegroup.Afterabriefintroductionofthebackgroundandcurrentsituationofthecreditriskmanagementoftheworld,thethesisrevealedthebasicfactorsinthecreditafterthestudyongamblebetweenthecreditorandthedebtor.Thepresentinstitutionofourcountrywasalsobeanalyzedinthisthesis.Thedevelopinghistoryoftheenterprisegroupfinancecompaniesshowedthatthecreditriskissignificant.Onthebasisoftheinvestigationofthecreditriskmanagementexperiencesandproblemsintheworld,afeasibleschemeofthecreditriskadministrationsforfinancecompaniesofourcountrywasdesigned.Inthescheme,theconstructionofthecreditculture,thecontrolofthecreditriskandthemeasurementofthecreditwereespeciallyemphasized.--PAGE1 参考文 --PAGE10 1:+制模型——CreditMetrics等。.VAR值；KMVMerton1974年提出的模型来推导每个债务人的实际违+2章 +2。缺点是融资来源有限，有时无法满足企业的资金需要。因此它是企业首选的融资方式。企业1。没有投资机会的时候即便是融资来1.1亿元。2006-%%15.83%。详细数据如下表二：款和贴现1232006贷款（含委贷其中：信用方式（含委贷-保证方式（含委贷质押方式（含委贷-抵押方式（含委贷合计（不含长安地产委贷2006①①①①①--2006-3--3-90天以上-80--80--1，贷款五失五类。五类贷款的定义分别为：正常：借款人能够履行合同，没有足够理由但存在一些可能对偿还产生不利影响的因素。次级：借款人的还款能力出现明能会造成一定损失。可疑：借款人无法足额偿还贷款本息，即使执行担保，也肯定要造成较大损失。损失：在采取所有可能的措施或一切必要的法律程序之究室出版社2006年理者都可以通过VAR值对风险程度进行评判。. 参考文献 . . . . . .建.北京大学出版社2000 2005（6） ManagementStrategy.Jul2005. banki