On The Risk Control Research Of Xi’an CZ Credit Guarantee Corporation

With the continuous adjustment of main economic structure in China, the small and medium-sized enterprises are playing a bigger and bigger role in the national economy, however, their demands for financing service are, as well, becoming more and more urgent, which have brought unprecedented development opportunity and challenge to the young credit guarantee industry in our country. The credit guarantee industry, as a special industry with strong professional characters, its inherent high yield matched with high risk always fellows the guarantee agencies.As a result, it has been a key urgent problem how to meet the increasing needs of the financing coming from small and medium enterprises, through expanding the business scope, improving the operation and management, constantly improving the credit guarantee risk management level and control ability, for the credit guarantee companies who specialize the operation and management of credit risks.Based on this point, this paper has made a text research towards the problems in the credit industry both at home and abroad in the course of their development, inductive relatively mature processing method both at home and abroad when they are facing the similar problems, upon this, the research has analyzed the existing problems on the construction of internal risk control system in Xi’an CZ credit guarantee companies consulting the basic requirements of enterprise internal risk control theories, introduced a classic analysis method on the risk management, with which, for the internal risk control system of Xi’an CZ credit guarantee company,a new design and necessary perfect has carried on, which formed a risk control system construction plan that ensures guarantee each department in Xi’an CZ credit company can restrict each other with mutual regulation and all-the-way tracking internal risk control, meanwhile, concrete implementation plan and safeguard measures have been postponed.In a word, this result of the study has an important practice guidance in several fields, such as, constructing a well-equipped internal risk control system, improving the level of credit risk management, making some difference in earnings quality, at the same time, it is also suitable to be applied to the construction and application of systems of risk control in other credit guarantee corporations.