Risk Management And The Third-Party-Obligation Of Credit Guarantee Institution

At present, China's national economy has entered a sustained and rapid development track, the continuous emergence of various types of Enterprises, to solve the employment of urban and rural residents and enterprises the main innovation to solve operation and development of the necessary funds is that they face major difficulties. SME credit guarantee is the solution of difficulties in financing an important measure of credit can be carried out by the enterprise level to help enterprises of difficulties in financing from financial institutions to obtain the necessary operating funds. The essence of security is to prevent and resolve risks, our security agencies exist only 10 years of history, as a financial intermediary's policy orientation, secured credit line is a high-risk sector. In this paper, the performance of credit risk from the start with the form on the secured credit risk identification and prevention mechanism, and explore the credit risk evaluation and operational approach to risk control and recovery of compensatory measures to prevent its own operating risks, credit guarantee institutions to solve risk means to protect its own survival and healthy development.First, the present risk of the manifestations, major study to define risk, credit risk classification and security sources Secondly, the credit guarantee on risk identification and preventive mechanisms, credit risk analysis to identify the requirements of risk identification methods and risk management culture; third, Study on security operations in the practice of credit risk assessment and operational approaches: major business admissibility of risk control, target business credit rating, credit risk test, risk assessment and risk model of the experience of judgement; fourth, secured on the project risks recover compensatory and means of compensation guarantees the operation of the security compensatory recovery projects, and resolve the security risks of the project other measures; fifth, on the secured credit risk management examples.