Ht Guarantee Corporation Risk Control Analysis Base On Private Lending In Shenzhen

Demand for private lending in Shenzhen is very big. Service Center for small and medium-sized enterprises in Shenzhen showed that70%small and medium-sized enterprises have financing demand, and the annual Shenzhen city in limit of SME financing demand up to1.26trillion Yuan. But in the face of such a big demand of financing of small and medium-sized enterprises, the financial support from bank of Shenzhen is very limited, according to the relevant statistics, the funding gap of financing of small and medium enterprises in Shenzhen City is overl trillion Yuan.In Shenzhen city, take small loan company for example, the20guaranty companies for small and medium enterprises as well as an accumulated loans had exceeded8000million Yuan, in previous years, Shenzhen, the petty loan company is a fresh thing, but the development of this guaranty companies has been in Shenzhen like bamboo shoots after a spring rain and are everywhere. Whether in the Futian CBD abundant in financial institutions, or in Shenzhen Huaqiangbei downtown, or even in some residential areas, there are small loan companies. With the development of small loan companies in Shenzhen, some industry insiders said, the small loan companies, compared with commercial bank’s traditional credit business, to a certain extent, have the corresponding complementary role to meet some low income crowd’s funding needs and resolve small and medium enterprises financing difficulties. In this paper, through a variety of methods, with empirical analysis being dominant, the risks faced by HT Guarantee Corporation engaged in the enterprise security business are studied in detail, the conclusion is:In this paper, through a variety of methods, empirical analysis is dominant, the risks faced by HT Guarantee Corporation engaged in the enterprise security business are studied in detail. First of all, the credit guarantee and the basic principles of folk credit guarantee institutions’function and intermediary business are introduced, and introduced our country enterprise credit guarantee and intermediary business risk and guarantee mode innovation mode; on the basis of HT Guarantee Corporation in Shenzhen analysis of the status quo and problems of Shenzhen City, including HT Guarantee Corporation internal environment analysis of the status quo, and the Shenzhen HT Guarantee Corporation external environment and internal environment risk analysis risk analysis; then the HT Guarantee Corporation to establish enterprise credit guarantee project risk evaluation, establishes the evaluation model, and empirical analysis, the final to the Shenzhen HT Guarantee corporation risk prevention mechanism, put forward to reduce the external risk countermeasure and the suggestion and reduce internal risk countermeasures and suggestions in three, establishment of risk control system.This article thought in the guarantee of the whole process, want to advance, in the matter, after the control to prevent, i.e., credit guarantee risk prevention mechanisms, establish the credit scoring model, and after tracking warning system. Hope through to the Shenzhen HT Guarantee Corporation engaged in enterprise security risk issue of research and analysis, puts forward the feasible risk control plan, to engage in security industry Guarantee Corporation in risk control reference.