Research On Risk Assessment Of Sme Credit Guarantee Companies

In recent years,our country’s SME credit guarantee companies play an important role in the aspect of financing services for SMEs and solving the difficult of SME loans.But,SME credit guarantee industry is a highly specialized and high-risk industry,It’s business have typical "high-risk,low-income" characteristics.It’s closely associated with security objects、guarantee company itself and its external environment, which determines that guarantee companies will face a lot of risks during their operation.Guarantee companies are based on risk management, guarantee company’s top priority is risk management,if the risk control is poor, guarantee company will face bankrupt.Risk assessment of Guarantee company is to give the factors which will cause security risks qualitative analysis and quantitative calculations, to explore effective methods to make the guarantee companies achieve the goals of producing、controling and managing risk,It has guiding significance to the stable operation of ganrantee companies.On the basis of the study on the domestic and foreign scholars’theory of credit guarantee and guarantee risk measurement, Firstly, this article does qualitative analysis of the risk of SME credit guarantee companies,classifying the risk of guarantee companies,analyzing the characteristics of guarantee risk and the main reason of its formation,making guarantee companies understand the risks which they are facing to.Secondly,This article start from general companies’risk factors, based on the angle of internal control,analyzing the main factors which cause guarantee risks deeply,determining5aspects、23evaluations,which include guarantee portfolio、asset situation、profit ability、risk control level and management level, establishing a risk assessment system of bengbu guarantee companies.Finally,this paper chooses4representative guarantee companies as cases, on the basis of established risk assessment system,using FAHP to calculate the weight of each index,then combined with fuzzy comprehensive evaluation method to evaluate their risk control ability,getting the final rank of the four guarantee companies’risk control ability,and analyzing guarantee companies’risk level based on the evaluation results.Through this study,we can quantitate guarantee companies’risk through established risk assessment system,so that guarantee companies can measure the risks which they are facing to exactly.Based on the risk assessment of four bengbu guarantee companies, this article proposed some suggestions which can reduce guarantee companies’risk effectively,to promote our city’s guarantee companies better and faster development.