Credit Risk Management Of Re-guarantee Institutions

Alleviate problems in the financing of SMEs, to promote the rapid development of private economy, the credit guarantee companies played an important role. Provide financing for SMEs in the process of security services, security company itself has accumulated a certain risk, need to be dispersed and transformed. In this context, since 2008, for the security company to provide "additional credit, risk-sharing" to support the provincial and municipal re-guarantee institutions came into being.Re-guarantee institutions to guarantee insurance companies in the process of sub-bound to face many risks. Domestic and foreign economists and industry to start from the credit guarantee, on the financing, security research theories, but on the re-guarantee institutions in particular, how risk management is to manage the practical aspects of the research be enhanced.Credit guarantees by the author, then a security risk management theories of learning and work practice, the analysis of the risk of re-guarantee institutions causes and manifestations of the re-guarantee institutions in risk management principles and basic methods. The author believes that the risk of re-guarantee institutions are divided into exogenous and endogenous risk of two major aspects of risk, the risk of exogenous re-guarantee institutions primarily to customers - a security guarantee the company's credit risk and market the company's security business risk , which guarantees the quality of the company's assets determines the size of credit risk, Security guarantee the company's ability to determine the size of market risk, therefore, need to guarantee the company's assets by the quality and security risk to be analyzed to assess the risk of exogenous re-guarantee institutions, for which I designed, made of foreign health risk assessment the index system, process system and implementation steps. Endogenous risk is mainly re-organization of internal security risks, including decision-making risk, legal risk, operational risk, moral hazard and so on, and security institutions of the then health risk management. Endogenous risk management focuses on establishing and improving the balance of power, process closely, the system strictly, and operating norms of the internal control system to meet the market requirements of the law and risk management mechanisms, culture, organizations, through the normal and orderly operation of high-quality staff.Finally, some provinces and cities and then the first guarantees the risk management practices, best practices, on how to credit rating companies on security, how to guarantee the project re-assessment, how to ensure management and operations after the practice was discussed. In particular, yes yes right then security agencies need to address the security company to investigate how the evaluation and credit, how to guarantee the assessment of credit rating companies, security companies and different businesses in different ways to review approval and a series of practical proposals put forward .