Research On Credit Risk Management Of A Private Guarantee Company

Private assurance industry developing rapidly in recent years, to alleviate the financing difficulties of small and medium-sized enterprises, played an important role to help small and medium-sized enterprises through cash flow difficulties, has played a positive role to promote the credit system construction and economic development of our country. But due to the lack of supervision, backward management, the problems such as nonstandard control lead to guarantee company facing the credit risk is becoming more and more big. Now the assurance industry has not built the systemic credit risk management methods and tactics, how to identify and reduce the credit risk of guarantee agencies is a very important problem in the guarantee company.In this paper, on the basis of comprehensive research at home and abroad, with a In-depth research on A private security company, has analyzed the practical development condition of A private security company,but due to the insurance company reimbursement ability is insufficient, the low level of morality and poor management of A private security company, leading A private security company is faced with A certain degree of credit risk, it influence and restrict the expanding of A private security company. The point of view in this paper on the characteristics of A private security company’s own business and build a set of credit risk management system, the A private security company should control credit risk management according to the five process; Assurance acceptance, Assurance survey, Assurance examination and late assurance management.. And got good application at the end of the guarantee cases,hope to give other private security companies some ideas and Suggestions on how to avoid risk, reduce risk, control risk and carry on some effective management to credit risk.