摘要：
信用担保方式是国际上解决中小企业融资难的有效途径之一.文章在分析了担保行业、担保企业运作及担保产品特点的基础上,着重从业务规模以及业务规模与组织规模匹配两个方面阐述了担保企业风险控制的原理,并通过揭示单体担保企业在风险控制方面的缺陷,反衬出担保企业集团化的必要性及对于我国担保业发展的重要意义.Credit guarantee is one of the effective ways to solve the international financing difficulty. Based on the analysis of characteristics of the guarantee industry, guarantee enterprise operation and guarantee products, this paper emphatically ex- pounds the risk control principle guarantee enterprise from two levels of the business scale, scale matching business scale and organizational scale. And this article, by revealing the defects of monomer guarantee enterprise on the aspect of risk control, further discusses the guarantee enterprise group' s necessity and significance for guarantee industry development of our country.
作者机构：
[Li, Tiening] Cent S Univ, Buisness Sch, Changsha 410083, Hunan, Peoples R China.;[Luo, Jianhua] Changsha Univ Sci & Technol, Sch Econ & Management, Changsha 410114, Hunan, Peoples R China.
会议名称：
2nd International Conference on Engineering and Business Management
会议时间：
MAR 22-24, 2011
会议地点：
Wuhan, PEOPLES R CHINA
会议主办单位：
[Li, Tiening] Cent S Univ, Buisness Sch, Changsha 410083, Hunan, Peoples R China.^[Luo, Jianhua] Changsha Univ Sci & Technol, Sch Econ & Management, Changsha 410114, Hunan, Peoples R China.
关键词：
guarantee enterprise;emolument allocation;sharpley value
摘要：
Based on the survey of diagnosis in Guarantee Company A, a firm engaged in guarantee business, this article is rational and helpful for the personnel emolument distribution problems between customer managers' business cooperation. The allocation proportion settled in this method provides rational reference for formulate emolument system for company.
期刊：
Proceedings of the International Conference on E-Business and E-Government, ICEE 2010,2010年:1110-1115
通讯作者：
Luo, J.(ljh9098@126.com)
作者机构：
Economics & Management School, Changsha University of Science and Technology, Changsha, Hunan, China;[Luo, JianHua; Shen, Tao] Commercial College, Central South University, Changsha, Hunan, China;[Shen, Tao] Business School, Guangxi University, Nanning, Guangxi, China;[Luo, JianHua] Economics and Management School, Changsha University of Science and Technology, Changsha, Hunan, China
会议名称：
2010 International Conference on E-Business and E-Government
会议时间：
May 2010
会议地点：
Guangzhou, China
会议论文集名称：
2010 International Conference on E-Business and E-Government
摘要：
Characterized by operating regionally, “credit only, non deposit”, loans in small, scattered and short-term, micro-loan companies have became a major force of financial services in rural areas of China increasingly. Due to differences in the lending object and the basis of loan decision, credit risk evaluation of micro-loan and large amounts business loans are completely different, the current methods of credit risk evaluation can't be applicable to micro-loan companies absolutely. Bases on a review of credit risk evaluation methods of micro-loan in foreign countries and in-depth analysis of special reasons that induce the credit risk to micro-loan companies, we found that the existing credit scoring model couldn't evaluate the credit risk of loan applicants effectively and accurately in the operation of micro-loan companies. To address this problem, this paper proposes a suitable credit risk evaluation method on the soft set theory which deals with mixed uncertainty problem. We argue that integrate the operating characteristics with the credit risk evaluation method, loan officers can make loan decision more accurate on the soft information that collected at the present stage of micro-loan companies.
期刊：
Proceedings of the International Conference on E-Business and E-Government, ICEE 2010,2010年:4347-4351
通讯作者：
Wang, S.(wsh007800@163.com)
作者机构：
[Luo, Jianhua; Wang, Shihua] Commercial College, Central South University, Changsha, Hunan 410083, China;[Luo, Jianhua] School of Management, Changsha University of Science and Technology, Changsha, Hunan 410076, China;[Wang, Shihua] Nanhai Campus, South China Normal University, Foshan, Guangdong 528225, China
会议名称：
2010 International Conference on E-Business and E-Government
会议时间：
May 2010
会议地点：
Guangzhou, China
会议论文集名称：
2010 International Conference on E-Business and E-Government
关键词：
guarantee premium;liquid collateral;default
摘要：
The role of guarantee companies is to provide guarantee, take the form of liquid collateral offered to support for and facilitate corporate financing. This paper firstly studies and establishes model of guarantee-default using only information specific to borrower whose corresponding probability schedule of default reflects strategic information. Secondly, the paper expounds that credit is rationed by quantity, causing its equilibrium price to be higher than what comes from the equilibrium of supply and demand. Thirdly, this paper shows a model of estimating a guarantee rate to implement guarantee agreements. Fourthly, through an emperical case, this paper verifies that the default mode to measure the credit loss is appropriate.
期刊：
Proceedings of the International Conference on E-Business and E-Government, ICEE 2010,2010年:4051-4056
通讯作者：
Wang, S.(wsh007800@163.com)
作者机构：
[Wang, Shihua] Nanhai Campus, South China Normal University, Foshan Guangdong 528225, China;[Luo, Jianhua] School of Management, Changsha University of Science and Technology, Changsha, Hunan 410076, China;[Luo, Jianhua; Wang, Shihua] Commercial College, Central South University, Changsha, Hunan 410083, China
会议名称：
2010 International Conference on E-Business and E-Government
会议时间：
May 2010
会议地点：
Guangzhou, China
会议论文集名称：
2010 International Conference on E-Business and E-Government
