Research On Risk Control Of Credit Guarantee Of Small And Middle-Sized Enterprise

Small and medium-sized enterprises played an important role in promoting the nationaleconomy growth.. But the shortage of funds, financing difficulties has been plagued by smalland medium-sized development. Appear of small and medium-sized enterprise creditguarantee can help build a bridge between banks and small and medium-sized enterprises infinancing, which cleared the obstacle in financing for small and medium-sized enterprises invery great degree, made more quickly in accessing to bank for financing for small andmedium-sized enterprises.But because the current guarantee system in our country is still at a furtherstage,mechanism is not sound, so with the development of guarantee industry,increasing thenumber of guarantee agencies, many problems and risks also gradually be revealed.Especially on the risk control, the ability and level of mall and medium-sized enterprisesguarantee institutions are to be further improved.. Many guarantee institutions successivelyappeared capital chain rupture in recent years, which cause guarantee industry crisis. Throughthe crisis event,which not only caused to thoroughly analyze the cause of mall andmedium-sized enterprises guarantee risk, but also what is more for the further research of riskcontrol ability of mall and medium-sized enterprises guarantee.This paper firstly analyzed the mall and medium-sized enterprises guarantee risk,revealed the characteristics and source of mall and medium-sized enterprises guarantee risk.Through these risks, making a deep analysis for the recent Chinese guarantee institutions, sothat more thoroughly understand mall and medium-sized enterprises guarantee risk. Then onthe basis of the asymmetric information theory, by using game theory an mathematical modelto study the problem of mall and medium-sized enterprises guarantee risk sharing and transfer.For small and medium-sized enterprises, small and medium-sized enterprises credit guaranteeagencies, banks,re-guarantee agencies doing game analysis. Mainly for proportionalguarantee an counter guarantee mechanism, guarantee mechanism is studied. Draw in theresult of strengthening small and medium-sized enterprises credit guarantee risk control. First,through the game analysis of banks and guarantee agencies in the full assurance andproportion.Draw in that should be carried out in reasonable proportion guarantee in cooperation of bank and guarantee agencies. In the protection of the interests of both sides atthe same time, also can effectively spread the risk,they accordingly take their respectiveliabilities. Second, set up reasonable counter guarantee mechanism. Through the gameanalysis between the small and medium-sized enterprises and guarantee agencies. Thereasonably counter guarantee not only can share risks, reduce the happening of enterprisemoral hazard. And can fully embody the existing significance and value of small andmedium-sized enterprises and guarantee agencies. At the same time,this article illustrates thesmall and medium-sized enterprises and guarantee agencies which to choose the kind ofprinciples and collateral Third, we should establish an effective re-guarantee mechanism.Through the game between guarantee agencies and guarantee agencies. draw in that thereasonable guarantee proportion interval again. On the one hand can effectively share therisk,on the other hand also effectively prevent malicious passed on the risk of creditguarantee institutions. And appropriate prompt the credit guarantee institutions which play itsrisk control ability. And to explain the exploration and practice of re-guarantee.Finally,from the perspective of small and medium-sized enterprises guarantee agenciesthemselves study. Chinese small and medium-sized enterprises guarantee agencies shouldstrengthen the construction of internal risk control mechanism and enhance their ability toresist risk. Establish effective within organization of small and medium-sized enterprisescredit evaluation system, accurately identify mall and medium-sized enterprises credit status.Establish a complete risk early warming mechanism,which monitor the guarantee project,timely find and deal with risk. Establish internal risk compensation mechanism, which makeup for a loss and enhance the ability of dealing with risk. At the same time,more need to havescientific risk management and control system.. scientific management system, which makefor organize and standardize an co-ordinate with other departments and staff activities, so toreduce the internal potential risk of credit guarantee institutions.