Jimei Guarantee Company Guarantee Business Risk Management Studies

With the rapid development of China’s market economy, small and medium-sizedenterprises in our country have sprung up in class, how to support the healthydevelopment of small and medium-sized enterprises, solve the financing difficulties ofsmall and medium-sized enterprises to become a more urgent task. In order to support thedevelopment of small and medium-sized enterprises, have issued the relevant policies inour country, at the same time guarantee industry has ushered in the historic opportunityof development. Guarantee companies as a bridge of banking and corporate finance, caneffectively solve the problem of financing difficulties of small and medium-sizedenterprises, and can effectively reduce the risk of bank, has played a huge role insupporting the small business development. But guarantee industry is a high-risk industry,due to the relatively short development time, the lack of historical experience, a lot ofguarantee companies appear risk and has disappeared, so how to guarantee the company’srisk control problems, is a very important and complex problem. Relative to the bank,guarantee the company’s project quality common deviation, thus guarantee companiesneed to be stronger than the bank risk identification, risk management, risk control andrisk solving ability how to prevent, avoid and control risk, to survive in the fierce marketcompetition and achieve sustainable development, is cannot avoid and must face theproblem, and think about this question and answer to guarantee the company’s survivaland development has the extremely important significance.This article thought that small and medium-sized enterprises provide financingguarantee to support guarantee co., LTD. Jilin ji coal as the main research object, inunderstanding guarantee business risk management on the basis of the research status athome and abroad, from guarantee business risk management concepts, characteristics,classification, form and guarantee business risk point and form the basic knowledge,combined with the actual case analysis, a detailed description of the current situation ofguarantee business risk management, in-depth analysis of the financing guaranteecompany guarantee business problems in risk management, then puts forward to establish the scientific guarantee risk evaluation system; Develop scientific due diligenceprocedures; Establish a standardized risk compensation mechanism; After establishingreasonable insurance supervision system; Create high quality business team.