The Research On Managing Risk Of SMEs Credit Guarantee Company

The risk is uncertainty of prospective results. Managing risk refer to identify, scale, prevent and control of the risk by people. The broad sense of managing risk of SMEs credit Guarantee Company contains two. The first implication is outside managing risk, it is refer to managing risk of wider factor by the controller in the market. The second one is the inside managing risks. It is refer to management of control risk by inner department of Guarantee Company. Credit guarantee is a industry with higher risk. So, the managing risks of credit guarantee company is the key problem concerns its continual development. Therefore, the problem of managing risk on credit Guarantee Company has a profound practical and academic significance for its reform and development.The research theme of the article is carried out under the background that is SMEs credit Guarantee Company of china are striding to standardization and systematization. The forming scientific and rational market system is the critical task for standardizing the credit guarantee company's reform under new situation. this article, combining the problem arisen in managing risk of credit guarantee industry and referring the foreign useful experience, researches how to improve the guarantee risk control, and it has high applicability.The article first introduces the background and meaning of the article in the first chapter, point out the necessity of the research on managing risk in guarantee company in our nation, and it states the credit guarantee theory in the world , In the second chapter, it analysis the cause of the risk in the guarantee company, start in the signs of the financial difficulty in SMEs, analysis it's cause, then point out the guarantee company is the basic way to resolute the problems, at last, point out the managing risks locate the core in business administration. In the third chapter, it introduce the multiple facts in managing risk outside the company, such as guarantee industry risk, cooperate bank risk, guarantee law risk, credit environment risk, point out the system risk in the credit industry has been enlarged by the short of the industry regulation and credit system, and imperfect in guarantee law, also suggest the ways and plans of the resolution. In the forth chapter, which analysis managing risk of inner guaranty company, such as company governess risk ,operating process risk, capital risk and stress to apply the inside administration for control the special risk. In the fifth chapter, it states the countermeasure and suggestion which improve the managing risk level in the SMEs guarantee company.