The Study On Risk Control For LZ Financing Guarantee Company

The financing and guarantee company is defined as a developing industry. Since commence of the21st century, the development of the high-tech enterprises have been blooming the financing and guarantee industry.In case of the high risk existed during the process of operation, the risk control becomes the key point which attracts the most attentions. Compared to the developed countries, the interference of the guarantee industry could be illustrated as the late beginning, the lack of experience and the vulnerable risk control. This essay tries to research and solve the problem as how to promote the guarantee companies to provide better service to minor enterprises with keeping themselves from blind expansion.I work for a guarantee company which is founded in2009. It is a joint-stock limited company that focuses on the high-tech minor enterprises. Truthfully the structures of the assets held by high-tech minor enterprises challenge the management of the risk control a lot. This essay sets the risk control as the research target and figure out the current situation of the risk control, with the combination of the cases. Furthermore, this essay introduces the theoretical model to indentify the reasons of capital risk, judgment risk, moral hazard and competition risk. Through the analysis on the reasons mentioned above, the essay raises the strategies which could perfect the internal risk control system and construct the reasonable risk diversification mechanism. Generally to say, based on the efficient management and operation, according to the scientific evaluation method, it seeks to set up the risk control system by constructing an excellent team.The research made by this essay is valuable to the risk control of various types of guarantee companies.