The Research On The Risk Prevention And Control Of Shenyang SMEs Credit Guarantee Center

Small and medium enterprise (SME) is an important power of China's national economic, though it has its own vulnerable such as small, poorly managed and weak in resisting risk, all of which leads to a comparatively high risk of credit. So the owners of debt capital or equity capital are not willing to bear that risk to make the investment in SMEs. Then the situation is that, on one hand, SMEs need funds to develop; on the other hand, it's hard to financing for SMEs. As a result, SMEs fall into a difficult place which restricts the development of SMEs.Shenyang SMEs credit guarantee center is set up to help SMEs and promote local economic development. Since its establishment, Shenyang SMEs credit guarantee center greatly solve the problem of SMEs financing by building a bridge between the commercial banks and enterprises. As recognized, SMEs credit guarantee agency is marked as high risk, it manages risk for profits. Risk management is not only the main work but also the basic of survival and development of SMEs credit guarantee agencies.Based on the theory of risk management, this paper try to analysis and research the risk that of Shenyang SMEs credit guarantee center, and combined with the actual to design a more scientific and effective system of risk prevention and control which can provide reference to Shenyang SMEs credit guarantee center.The whole paper is divided into six chapters. The first chapter is the introduction. The second one presents the Shenyang SMEs credit guarantee center and its basic theory of risk management. Then in the chapter three and four, it gives us a full picture of the present situation of domestic and foreign credit guarantee agencies and Shenyang SMEs credit guarantee center. In chapter five, it provides a innovative risk prevention and control mechanism for Shenyang SMEs credit guarantee center. And at last, it's the conclusion.