Research On Comprehensive Risk Management Of Small And Medium Enterprises Credit Guarantee Institutions

With the improvement and development of China’s market economic system, the status of small and medium enterprises in the national economy is increasingly important to have an irreplaceable role in creating jobs, increasing tax sources, promote scientific and technological innovation, promote local economic development, but because of its resources are relatively scarce credit, making the widespread problem of financing difficulties in the development process, the government set up the SME credit guarantee institutions to promote sustained economic growth and social stability, and to solve the difficult situation facing SMEs to play their credit enhancement level role, to provide financing guarantees for small and medium-sized enterprises, is conducive to the rational allocation of credit resources. But because of the domestic credit environment, the SME unique characteristics and guarantees compensation mechanism yet to be perfected, guarantee agencies rely on their own credit enhancements to the SME economic entities to provide financial credit enhancements of services, decided to guarantee institutions have to bear with greater business risk, risk identification and risk management capabilities will become a key factor in its survival and development, security agencies should be in the business of risk awareness and strengthen risk management, improve risk prevention ability to defuse risk prevention, risk oversight mechanisms aspects of the formation of a comprehensive risk management system with its own unique professional advantage.This article formed from the SME credit guarantee risk causes and guarantee agencies comprehensive risk management philosophy starting on the basis of total quality management, COSO comprehensive risk management theory framework, through the construction of a comprehensive risk management system, the full implementation of the whole process, the dynamic risk management tools for risk prevention, control and passed on, and use of risk opportunity to shoulder the heavy responsibility to support and nurture small and medium enterprises, to ease the financing difficulties of SMEs, and thereby create a better economic and social benefits.The main content of this paper includes three aspects:The first part, the general part of a comprehensive risk management theory, describes the background and significance of the topic, the research status at home and abroad; China’s SME credit guarantee industry development course; risk definition of the concept of SME credit guarantee, the guarantee company, as well as a comprehensive risk management concepts and method, and described the problems of the present;China’s current situation and existing SME credit guarantee risk management.The second part elaborate the purpose and principles of a comprehensive risk management research building SME credit guarantee.The third part, mainly on the content of the SME credit guarantee comprehensive risk management system. From risk identification, risk prevention, risk control, risk transfer and dispersion, risk management and compensation of the five dimensions of research to build a comprehensive risk management system, designed to address the risk management issues faced by SME credit guarantee, to defuse the indirect financing pressure, promote financial innovation.