Study On Developing Guarantee Product Of New And Start-up Stage Business' Loan And Keeping Away The Product's Risk

In recent years, under the policy's support and economic development, the activities of our country's"Financial Guarantee"and"Establish A Business"are remarkably activity. It seems that the two issues are disrelated, but in fact they have close relation. To a degree, the two activities can promote each other.At present,the guarantee companies of our country have rapid development, and evolve as a new business line and have great effect on small or middle business finance. But as a new business line, guarantee companies have their own remarkable characteristic, those are primay risks,low incomes and single products.At the same time, the enterprises at the start-up stage have big risks.Nowadays the common problem is the limit to the new enterprise's finance, especially for those new enterprises at their stsrt-up stage. Therefore the purpose of my research is discover a way to solve thus problem of guarantee company and new enterprise at the start-up stage. The main research contents and methods are as follows:1.Bring out the concept design process of guarantee products.In this part, the author have adopted the methods of literature and interview.2.Accomplishing the concept design process of guarantee products of new and start-up stage business'loan.Adopting the theory of start-up stage of establish a new business, analysising the characteristic of those new enterprises of start-up stage, and combineing the conclusion with the concept design process of guarantee products. Accomplishing the concept design process of guarantee products of new and start-up stage business'loan.In this part, the author have mainly adopted the methods of literature.3.Bring out the risk evalution model of the guarantee products of new and start-up stage business'loan. According to the risk factor'sort on guarantee products and the risk factor'analysis on the new and start-up stage business, the guarantee products' risk of new and start-up stage business'loan could be fall into two parts:one is risk evalution of the item; the other is risk evalution of counterguarantee measures.In this part,the author have adopted the methods of literature,interview,SPSS and AHP.4.Bring out the risk measurement on guarantee products of new and start-up stage business'loan. According to the risk source of guarantee products, bring out the risk measurement on guarantee products of new and start-up stage business'loan from twe aspects:development risk and operating risk. In this part, the author have mainly adopted the methods of literature and interview.