The Research On Risk Evaluation And Risk Pricing Of Credit Guarantee Business

In recent year, because of SMEs in the contemporary socio-economic activiting in the increasingly important role, but credit shortage and financing difficulties is the main obstacles facing in the process of its development. In this context, the SMEs credit guarantee institutions came into being. Credit guarantee in our country is still a novelty. Its function and own sustainable development involves operation of architecture,management experience,price decisions,risk-sharing,prevention and evaluation, and so on a range of issues. risk analysis and credit guarantee and price control decision is the most core issues. SMEs credit guarantee institutions for credit guarantee to provide SMEs specialized agencies, and to a certain extent, reflects the support of national policies, particularly its high-risk characteristics significantly. If the lacking of an effective method of risk evaluation and risk management measures, SMEs credit guarantee institutions is likely to become a credit risk carriers, resulting in a credit guarantee agencies into a difficult predicament. Therefore, strengthening specialized credit risk control capacity and improve the bargaining power of the security agencies play a vital function in SMEs credit guarantee institutions' sustained and healthy development,This paper againsts SMEs credit guarantee institutions' risk management features and is based on solving important and difficult issues, and try to research the following contents:(I) Qualitative and quantitative analysis of the risk of credit guarantee institutions, as well as risk management, including risk source mechanism, risk management features. Analysis focused on the security business risk quantification;(II) The security agencies in the operation is an important feature of the high-risk, and hence, how to formulate a reasonable price to compensate for the risk of risk and maintain security enterprises thesis research for the sustainable management of the core. For a single SME, the key to controlling risk is to establish a set of scientific review and an assessment process. This paper presents a security risk assessment approach to identify key parameters related to the security of the project, including security and the guarantee fee large number of such letters.In short, in the study and practices, China's SMEs credit guarantee is later. The research of risk controlling literature is more qualitative theory literature than quantitative literature. From the security of individual projects, as well as operational security fees .papers try to proof security risk control strategy, and strive to establish a simple,scientific and practical risk managemengt methodologies.