摘要

随着经济的发展,一些小公司在高新技术行业不断发展、壮大,形成了

有中国特色的高新小微企业。由于受到资金、规模的限制,高新小微企业需

要大量的现金进行支持,但在融资担保行业环境以及企业自身因素的影响,

融资渠道不通畅,发展受限。在破解融资难的问题中,担保机构的信用担保

起到了关键作用。本文从担保机构获得收益、降低风险的角度出发,主要研

究了以下内容:

1、主要是从企业经营风险、信用风险、反担保物、企业道德、融资成

本等角度分析了高新小微企业的融资担保风险。

2、描述了国内外常用的风险评估模型,例如5C法和杜邦法等,同时对

风险模型在担保公司风险评估应用做了分析。

3、以担保公司的一个实际项目,评估了在评审过程中的风险。

本文通过对高新小微企业融资担保业务风险评估的研究,一方面有利于

信用担保机构控制风险,一方面又有利于优质的高新小微企业获得发展的资

金。本文的研究,将对促进高新小微担保业务的幵展、帮助高新小微企业发

展的同时控制好项目的风险具有十分重要的意义。

关键词:高新小微企业,融资担保,风险评估

VII

Abstract

With the development of economy, some small micro enterprises in the field

of high and new technology have developed intosome high-tech small and micro

businesses with Chinese characteristics. Due to the limitation of capital and size,

high-tech small and micro businesses need some capitals to support their

development. However, because of the environment effect of financing guarantee

industry and enterprise factors, the financing channels of small and micro

businesses are not smooth and stricted limited. By way of solving the financial

matter, the credit guarantee of financing guarantee organization plays a key role

in financing. From the perspective of increasing revenue and reducing risk of

guarantee organization, this paper mainly studies the following contents.

1. Analyzing the financing gurantee risk of the high-tech small and micro

businesses from from the angle of operational risk, credit risk, counter guarantee,

business ethics, the cost of financing.

2. Presenting the main risk assessment models such as 5C factor method and

Dupont analysis that commonly used in China and foreign countries and

analyzing the risk models in the risk assessment application of guarantee

company.

3. Using a practical case of Guarantee Corporation to evaluate the risk of the

project evaluation process.

In this paper, the risk assessment research of fund-raising guarantee on

high-tech small and micro businesses will have two benefits.For one thing, it is

useful to control the risk for the credit guarantee company. For another thing, it is

beneficial for the high-tech small and micro businesses to get the growth funds.

The research results of this paper will promote the the development of financing

guarantee for high-tech small and micro businesses and meanwhile help to control

the item risk of the development of high-tech small and micro businesses.

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