摘要
摘要
在经济工作中稳中求进，做好“六稳”“六保”，加快小微企业复苏步伐。但
是，在当前经济持续下行的形势以及新冠疫情影响下，很多小微企业经营出现问题，
导致其无法支付欠款，不少银行也因为经济环境的影响对抗风险能力差的小微企
业提高信贷门槛，融资难融资贵问题越发严重。在我国融资担保行业还属于成长阶
段，相关的管理制度还不够完善，尤其是在风险控制体系方面的漏洞越发突出，融
资担保公司承受着巨大的压力，一方面政府出台各类政策要求担保公司扩大对小
微企业的担保范围，为符合条件的小微企业提供融资担保；另一方面，担保公司的
业务规模在不断扩大，而风险控制体系却跟不上业务的发展。融资担保公司在缓解
小微企业融资难和推动地方经济发展有着重要作用，但在业务规模不断扩展的同
时也承担着更大的风险。“啤酒贷”是A担保公司推出的一款针对漓泉公司经销商
的担保产品，漓泉啤酒是广西知名的啤酒品牌，在区内拥有众多经销商，其经销商
日常经营采购量较大，受消费者需求影响，销售量不稳定，容易出现存货过多，资
金链断裂的情况。该产品推出后，对区内啤酒产业的发展起着巨大的推动作用，但
也让A担保公司面临各种风险，影响到A担保公司的正常经营，因此“啤酒贷”的
风险识别和风险控制就显得尤为重要。
本文旨在研究如何有效地控制“啤酒贷”风险问题。本文主要采用案例研究法，
以A担保公司“啤酒贷”为研究对象，对A担保公司“啤酒贷”的风险控制进行研
究，并对存在的风险找出应对策略。首先通过文献分析法、案例分析法、流程图法
和风险矩阵法，结合国内外相关研究成果进行分析和总结，概括了本文的研究思路。
其次对“啤酒贷”项目进行目标设定和事项识别，明确A担保公司“啤酒贷”产品
风险控制的目的，梳理每一事项的业务流程及控制措施涉及的部门和人员。然后通
过风险识别将可能存在的风险识别出来，并运用风险矩阵法评估各类风险的影响
等级及发生的概率，构建风险矩阵图，同时对各类风险进行分析，找出风险存在的
根源。最后结合A担保公司实际情况和“啤酒贷”的性质提出风险控制应对策略，
分别针对各类风险制定不同的应对策略，将“啤酒贷”的风险控制在A担保公司能
接受的范围内，从而解决“啤酒贷”风险影响A担保公司正常经营的问题，促使其
可持续发展。
关键词：担保公司、啤酒贷、风险控制
I
Abstract
Abstract
Strive for progress while maintaining stability in economic work, do a good job in
"six stabilities" and "six guarantees", and accelerate the recovery of small and micro
enterprises. However, small and micro businesses are operating under the influence of the
current economic downturn and COVID-19. The problems that lead to their debts are not
paid. Many banks also raise the credit threshold because of the economic environment,
which are small and micro businesses with poor risk tolerance. In China, the financing
guarantee industry is still in the growth stage, and the relevant management system is not
perfect. In particular, the loopholes in the risk control system are becoming more and
more prominent, and the financing guarantee companies are under great pressure, On the
one hand, the government has issued various policies requiring guarantee companies to
expand the scope of guarantee for small and micro enterprises and provide financing
guarantee for qualified small and micro enterprises; On the other hand, the business scale
of guarantee companies is expanding, but the risk control system can not keep up with
the development of business. Financing guarantee companies play an important role in
alleviating the financing difficulties of small and micro enterprises and promoting local
economic development, but they also bear greater risks while expanding their business
scale. "Beer loan" is a guarantee product launched by a guarantee company for the dealers
of Liquan company. Liquan beer is a well-known beer brand in Guangxi. It has many
dealers in the region. Its dealers have a large amount of daily operation and procurement.
Affected by consumer demand, the sales volume is unstable, which is prone to excessive
inventory and broken capital chain. After the launch of this product, it plays a great role
in promoting the development of beer industry in the region, but it also makes a guarantee
company face various risks and affects the normal operation of a guarantee company.
Therefore, the risk identification and risk control of "beer loan" is particularly important.
This paper aims to study how to effectively control the risk of "beer loan". This paper
mainly adopts the case study method, takes the "beer loan" of a guarantee company as the
research object, studies the risk control of "beer loan" of a guarantee company, and finds
out the coping strategies for the existing risks. Firstly, through the literature analysis
method, case analysis method, flow chart method and risk matrix method, combined with
the relevant research results at home and abroad, this paper summarizes the research ideas
of this paper. Secondly, set the objectives and identify the items of the "beer loan" project,
II
Abstract
clarify the purpose of risk control of the "beer loan" products of guarantee company a,
and sort out the business process and control measures of each item, as well as the
departments and personnel involved. Then, the possible risks are identified through risk
identification, and the risk matrix method is used to evaluate the impact level and
occurrence probability of various risks, construct the risk matrix, analyze various risks
and find out the root causes of risks. Finally, combined with the actual situation of a
guarantee company and the nature of "beer loan", this paper puts forward risk control
countermeasures, and formulates different countermeasures for various risks to control
the risk of "beer loan" within the acceptable range of a guarantee company, so as to solve
the problem that the risk of "beer loan" affects the normal operation of a guarantee
company and promote its sustainable development.
Key words: Guarantee company, Beer loan, Risk Management
III