Research On TJYX Investment Guarantee Company 's Guarantee Business Risk Control

According to incomplete statistics, the majority of financing guarantee business conducted more than three years have taken place in compensatory security company, so the most critical issues facing the security company now is how to reduce the risk of financing guarantee business, make compensatory rate decreased. With the development of market demand, but also to solve the difficult problem of SME financing, financing guarantee company’s emergence is inevitable, is a political significance. However, risk guarantees for SMEs project is relatively high, the security company would inevitably fall into the credit risk is difficult to effectively control and evaluate the plight of SMEs. Therefore, risk control study financing guarantee company of urgency, the only way to continue to improve the security company’s risk control system, improve the ability to avoid the risk.The size of the company’s risk and financing secured financing guarantee is directly proportional relationship. The reason why there is a high risk, because: customer financing guarantees for SMEs generally have lower credit ratings; impact of external factors to the development of financing guarantee; guarantee no reasonable sound system. Risk control and prevention will determine the financing guarantee the company’s survival and development, and how to improve the ability of the industry is a recognized problem. In this paper, a combination of theory and practice, based on the actual project operating procedures for the various stages of risk prevention and control were analyzed and applied to actual cases.In this paper, the following two innovations:First, previous studies mostly select objects of national policy of the company, and the research object of this paper is TJYX Investment Guarantee Co., which is not a state funded, but belong to the private nature. The ability to guarantee the security company and the nature of the country’s weak compared to resist risks, which requires in terms of the risk of the control of private security companies to be more careful.Second, we use the lessons TJYX Investment Guarantee Co., Ltd. as a starting point, the real case anatomical analysis, and finally again foothold on TJYX Investment Guarantee Co., risk control system, to achieve the perfect combination of theory and practice.