Research On The Reputation Risk Of China 's Financing Guarantee Company

Reputation risk has been included in various financial institutions must properlydeal with one of the major risks, so specific to the financing guarantee companies inour country, the importance is self-evident, in the current our country financingguarantee companies under the condition of frequent reputation risk events, thisarticle points out the financing guarantee company reputation risk present situationand the existence of its own in terms of reputation risk management is insufficient,the reputational risk recognition and estimate shortage, no strategic planning andfrequent events within the industry. For the current existing problems, and to guardagainst and defuse the financing guarantee company reputation risk is moreimportant. In this paper, the factors that affect reputation risk is divided into internalfactors and external factors and internal factors is a financing guarantee companycan solve the factors, including the management level is not high or mismanagement,illegal events, employee moral risk and scale of operation, revenue and profit,external factor is the financing guarantee company cannot solve itself factors,including the financial environment, credit environment, legal environment,intermediary service system, the public’s awareness of risk, regulatory measures, etc.On the analysis of internal and external factors, this paper based on the analysissummary the typical security events that took place in China in recent years and haveserious impact on the economy of our country financial and reputational risks offinancing assurance in China has a strong negative impact on the behavior and case,analysis the imperfection of laws and regulations, and lack of regulation, violationsevents, personnel quality affects the reputation of the financing guarantee companiesrisk internal factors and the financing guarantee company reputation risk defensesystem, external credit environment, financial environment and the governmentregulation and public risk consciousness and intermediary organizations is influenceour country the important external financing guarantee company reputation riskfactors. To this, at the end of the paper put forward the solve the problem offinancing guarantee companies reputation risk policy recommendations, including building a reputation risk management mechanism, risk prevention system, riskmanagement system, emergency response mechanism, public relations managementand perfecting the credit system, legal system and external risk rating system,supervision mechanism etc.......