投资担保公司风险管理能力的模糊综合评价--以HA投资担保公司为例

摘要

This paper build up a comprehensive evaluation system of our investment guarantee corporation risk management ability by constructing a comprehensive evaluation model. On this basis, selecting the HA investment guarantee corporation as an example, this paper makes a comprehensive evaluation of the risk management ability of the company using fuzzy AHP analysis method. The evaluation results show that HA investment guarantee corporation risk management ability is good , its risk perception ability is weak and its management of risk-sharing is not enough. Accordingly, this paper puts forward some suggestions to improve the risk management ability of the corporation, which including must pay attention to training employees professional quality and ability, should strengthen culture construction, further deepen cooperation relationship with the bank, strengthen the cooperation with the social credit rating agencies and financial products funds management. The findings have certain reference to establish the reasonable and legal risk identification and control measures for the investment guarantee corporation and ensure the security of investment guarantee business.%文章通过构建综合评价模型，建立我国投资担保公司的风险管理能力的综合评价体系。在此基础上，文章选择HA投资担保公司为例，采用层次分析法中的模糊分析方法，对该公司风险管理能力进行量化综合评价。评价结果显示： HA投资担保公司的风险管理能力良好，但风险感知能力较弱，对风险共担的管理不够。据此论文提出了提高该公司风险管理能力的若干建议：公司必须注重对从业人员职业素质和专业能力的培养；应当加强对公司文化的建设；进一步深化与银行的合作关系；要加强与社会信用评级机构的合作；强化对理财产品募集资金使用的管理。该研究结论对投资担保公司建立合理合规的风险识别与防控措施、确保投资担保业务的安全性具有一定的参考作用。