Risk Management Research On Guangdong Tianxin Financial Guarantee Company

Influenced by the world financial crisis in2008,we introduced policies to support the development of SMEs in China which also do good for the security industry However, the security industry is a high-risk industry, especially for private security enterprise without strong support from national financial institutions, without huge financial strength, it is an extremely important and complex issue to control the risk.To survive, Security companies should consider the credit supplement which out of the reach of our banks. Therefore, the security company must focus on risk identification, risk management, risk control and risk capacity, and do better than our banks. For survival and sustainable development, security companies ought to solve the problem such as prevention, risk control, solutions and risk aversion. It is unavoidable, but the thoughts and answers is of great importance to the survival and development to the security companies.In full of looking up the related theory and information both at home and abroad, this article chose "Guangdong TianXin financing guarantees company" as main research object which provides financing guarantees support for SMEs. Under the premise of organizing and field research, we analyzed its development course, business situation, industry features and the industry competition environment comprehensively, and found out the internal risk and external risk with the help of risk management theory and risk control model, we proposed some measures on prevention, aversion, risk control both in and out. The internal risk prevention control measures including:Establish a Scientific Governance Mechanism; Improve Company Risk Control Management Ability; Establish a Scientific Guarantee Risk Evaluation System; Make Scientific Diligence Procedures; Set up Standard Risk Compensation Mechanism; Set up a Reasonable Insurance Supervision System; Create High Quality Staff Team; The external risk control measures including:Government’s Policy Support; Evade Market Risk; Evade External Business Ethics Risk; Innovation Combination of Counter Guarantee Resources; Reinforce cooperate with bank.