On Small And Medium Enterprise Credit Guarantee Risk Management Of Intermediary Business

Due to the small and medium enterprises small in scale, relatively poor credit, andcredit market information asymmetry, the small and medium enterprises in the creditmarket to raise funds, often encounter discrimination. Therefore, to establish and improvethe credit guarantee system for small medium-sized enterprises. We can know, small andmedium enterprise credit guarantee intermediary business risks, in a very long period oftime, China small and medium enterprise credit guarantee as intermediary orgnaizationproblem, many agencies do not want to do on the small and medium-sized enterpriseguarantee business, its prime cause is because the stored at great risk. The traditionalsecurity model is based on the" retail" customer development mode not only cost is high,the risk is also high. Traditional load model three non-cooperation phenomenon, so thatthe Guarantee corporation status of a passive, income channel is narrow, the risk is tooconcentrated, bank liquidity surplus, high transaction costs, financing difficulties of smalland medium enterprises, risk control and internal management is not standardized, notcooperation game so that the three side faces dilemma." Mode of the security association" due to its can make the high value and highgrowth potential of SMEs loans through Guarantee Corporation, credit guarantee and Vcfirm corresponding commitment and operation to improve the corresponding bank riskcontrol requirements, smoothly realizes the loan financing, in order to meet the high valueand high growth potential of SMEs the further development of enterprises and the needsof risk investment institutions for investment purposes. In order to solve the problem ofasymmetric information between banks and enterprises,"the association mode" andstrengthen the small and medium enterprises association between communication andcooperation, give full play to the Federation as the bank-enterprise information platform,enterprise financing platform, enterprise resources sharing platform, enterprise mutualsupervision platform and business cooperation common development platform. Inaddition," the association mode" can also joint accounting firms, law firms, project auditfirm, in law, financial management, risk assessment and timely grasp of the productionand operation of enterprises dynamic, better prevention of credit risk.In this paper, through the Zhuzhou City Chamber of Commerce of Wenzhou securedas a case, through modeling and some other scientific means, for small and medium sized enterprise credit guarantee risk scientific and systematic analysis, on this foundation, putforward "the association mode" to avoid the risk of the policy and management means,for the small and medium enterprises loan guarantees intermediary business enterpriseshow to effectively carry out risk management to provide some useful reference.