Risk Identification And Control Of Small Enterprises Mutual Guarantee Organization

Small enterprises are an important force in China’s economic and social development, in the joint role of market mechanisms and government support, small enterprises develop rapidly, at the same time the rapid development of small businesses makes small businesses increase the demand for capital. Small enterprises’lack of collaterals, lack of credit and the causes of asymmetric information between banks and enterprises financing difficulties of small enterprises status quo, which restricts its rapid development. The study found that as a way of credit guarantee, mutual guarantee organization of small enterprises can effectively alleviate the problem of financing small businesses. China’s economic scholars have researched in influencing factors, system design, risk-sharing and other aspects of mutual guarantees, and made valuable comments to improve the small enterprises of mutual guarantee, but combing through the literature, I find that there is little specialized research scholars on risk identification and control for small businesses mutual guarantee organizations.Accordance with the idea of the ask questions, analysis of the problem, to solve the problem, first by describing the development status of small mutual guarantee organizations, this paper raised three main issues of mutual guarantee organizations, mutual guarantees lack of scientific risk identification mechanisms, risk control mechanism is not perfect, the lack of a comprehensive risk compensation mechanism. Detailed analysis of the mutual guarantee sources of risk for these problems to arrive at a mutual guarantee risks include external risks and internal risks. External risk primarily comes from cooperative banks, member companies, government departments and external environment, while internal risk is caused by improper internal operation of mutual guarantee institutions. Internal risks or external risks ultimately will lead to the risk of compensatory ability of mutual guarantee organizations, that is the possibility of compensatory unable to breach the insured enterprise. Therefore, in this paper, the mutual guarantee risk is the risk of compensatory ability. And then analyze the determinants of risk of the compensatory ability, and use of fuzzy comprehensive evaluation method to evaluate them. Not only can understand the size of the risk from the evaluation results, but also identify the sources of risk.Finally, according to the results of the risk identification, this paper put forward risk control measures through the establishment of the risk of internal control system, risk spreading mechanisms, risk transfer mechanisms and risk compensation mechanism as the main content. This article researched on the perspectives of risk identification and control for small businesses, in order to make mutual guarantee organizations effectively manage risk; maintain a healthy and sustainable development.