Zaozhuang Zhongtai Credit Guarantee Companies Risk Management Research

Small and Middle-sized Enterprises play more and more important role at present in national economic. It is encouraged by the government to construct a perfect Credit Guarantee System of SMEs by improving the credit environment and the SMEs’credit to obtain bank loans. The risk has been transferred from banks to guarantee agencies. How to effectively prevent and resolve risks is the key to the safe operation of the guarantee institutions and sustainable development.We proposed the strategies and optimization measures, made a useful study about the analysis of ZaoZhuang ZhongTai Credit Guarantee Company risk management, in order to guarantee the company’s continued operation and development. We study from the theory of credit guarantee from the perspective of the comprehensive risk management theory, by using a combination of theoretical analysis and case analysis. The main content of this article consists of four parts. The first part is the relevant theory and literature review. The second part is situation analysis of ZaoZhuang ZhongTai Credit Guarantee Company’s risk management. We analyzed the causes of the problems of risk management of ZaoZhuang ZhongTai Credit Guarantee Company. The third part, risk management program designed by the ZaoZhuangZhongTai. Taking the actual situation.of the company into consideration, to develop effective risk management measures, finding the best risk control measures and means, and improve their internal control mechanisms,we proposed countermeasures and implementation of programs that to establish a stable funding compensation and implementation of programs that to establish a stable funding compensation system, to establish a system of risk diversification, to achieve measures of sustainable business, to establish the moral risk control, to optimize the guarantee process, and pay attention to human capital. The fourth part is about ZaoZhuang company’s risk control mechanisms for the implementation of supporting measures. Put forward in practical work and strive to promote the combination of development and risk prevention, combination of joint guarantee and re-secured, the combination of diversification and specialization, and optimization of security processes and innovative guarantee varieties combining four complementary measures to address the risk management problems. Finally, we summed up some conclusions that can effectively reduce the risk about risk management of credit guarantee.Hope that this article discussing the risk management of the credit guarantee agencies can provide some useful reference. And set an example for the continued operation and development of the SMEs credit guarantee institutions to play a certain reference from this article.