Risk Control For Investment And Guarantee Enterprises

Currently, in the global economic development process, small and medium-sizedenterprises, in no matter developed countries such as Europe and America ordeveloping countries such as Asia, are all key components in the development ofnational economy, and play a crucial role in market-oriented economy and the stabilityof the society. However, difficulty in financing has increasingly become the mainreason for the limitation of the small and medium-sized enterprises due to their greatcredit risk, weak operation capacity, low management ability and poor repayingcapacity. In order to effectively reduce the financing difficulty of these enterprises andpromote their sustainable development, investment and guarantee enterprises emergeat the right time. Though China has established a credit guarantee system, investmentand guarantee enterprises in our country still have many shortages in the real practicedue to late start and lack of experience. With the rapid development of our investmentand guarantee enterprises, risks of this business have emerged gradually. If theseenterprises are incapable of withstanding various risks effectively in the process ofmarket operation, the living condition of them will surely be affected, and the steadydevelopment of the national economy will even be influenced. Therefore, analyzingand researching on the current risk of these enterprises, and minimizing the risk bycorresponding policies will be crucial to the destiny of the investment and guaranteeenterprises.This paper is a research report based on the writer’s one-year practice and surveyin the practical enterprises. Starting from the current situation of our investment andguarantee enterprises, effective risk control process is put forward and detailed actionguides are given in operation based on fully understanding, systematically analyzingthe risks of these enterprises, by the analysis on the successful case of company L and exploring and researching deeply from both the internal risk control and external riskcontrol of these enterprises. At the same time, aiming at specific business, riskprevention and control program are put forward and risk evaluation system is built inorder to find new breakthroughs based on effective risk control——the creativeoperating mode of investment and guarantee business. This paper is based on fieldresearch, thus the reality and effectiveness of the material are guaranteed in order toprovide policy-making support for numerous domestic investment and guaranteeenterprises.