Research On Risk Prevention And Control Of Financing Guarantee For Guarantee Institutions

Small and medium enterprises(SMES) has played an increasingly important rolein promoting economic development, promote social stability, provide employmentopportunities, promote technological innovation and accelerate the process ofmarketization. However, our SMEs have always been faced with the “financialdifficulty” in the development process. The credit guarantee is an effective solutionfor the “financial difficulty”. However, due to poor financial transparency,operational instability and other reasons, the SMEs’ credit risk is higher. Therefore,SME credit guarantee institutions require special precautions SME’s credit risk whenprovide financing guarantees. Preventing and controlling the guarantee risk is thecore issue for prevention credit risk. Based on these, this paper takes S GuaranteeAgency for example, studies the financing guarantee risk prevention and controlproblems, trying to improve the financing guarantee risk prevention and controlmechanism for the country’s SME credit guarantee institutions credit risk control andrisk management to provide reference ideas.This article from the SME credit guarantee institutions theory, the domestic andforeign credit risk study was carried out systematically analyze and review, Collateand analyze the theory of SME credit guarantee credit guarantee risk control theory,and accordingly the financing guarantee institutions guarantee risks are brieflysummarized. Security agencies operating through the S status quo analysis, in-depthanalysis of the S facing financing guarantee institutions guarantee risk and its riskmanagement system problems. On this basis, this paper from the outside to preventtwo levels of management and internal control of the financing guarantee institutionsguarantee S risks. Finally, in order to guarantee a government procurement projectcase studies discussed in depth how the S financing guarantee institutions guaranteerisk prevention and control.SME financing guarantee risk prevention and control of credit guarantee for thesustainable development of the industry has a direct and important role. The proposed financing guarantees risk prevention and control mechanisms fullyconsidered the SME credit guarantee institutions of the real situation, the foreignadvanced risk management theory and China’s reality, improve our SME creditguarantee system to ensure that the credit guarantee industry can more effectivelyaddress the development of SMEs facing financial difficulties, and to promoteChina’s sustained and healthy development of credit guarantee industry as anextremely important theoretical and practical significance.