The Reseach Of Business Risk Control Of Hunan Rongzhongxin Guarantee Corporation

The quality of the guarantee company’s risk management directly affects thehealth of our sustainable development of SMEs. Only a reasonable risk managementsystem help the company to predict risks, identify risks, manage and control risks.Since the Hunan Zhongxin Investment Guarantee Corporation was established,due to the risk management and control is loose, overlapping departmental business,management system confusion, lack of professional risk management talents andother reasons, some business incongruous situation, occasional compensatoryphenomenon, and more than50%compensatory phenomenon caused by loose items.The company in the business of risk control department is not appropriate forspecialized supervision, unclear responsibilities, risk management loose, which havehad a negative impact on the company’s business development, bank mutualcooperation, results of operations and sustainable development.This article taking Hunan Hunan Zhong Xin Investment Guarantee Corporationfor the study, studying the business risk management as an entry point, relying on thegeneral theory of a study to secure the company’s business risk. Firstly, the basicsituation of Hunan Rong Zhong Xin Guarantee Company are described from thecapital structure, all types of business, personnel, organization and business processes.Secondly, from credit investigation, security assessment, secured loans, guaranteestracking management, corporate guarantee of repayment and recovery of five basicbusiness processes as a starting point to explore the status of risk management. Tobetter analyze the main business risks of Rong Zhong Xin Guarantee Company exists,articles will refine the problem into internal and external aspects. The main internalcauses risk come from staff and the organization. External risks are the loan guaranteeprogram, banks, and other outstanding guarantee companies’ business competition.Then, according to the problems of business risk management, targeted to build riskmanagement system which is constructed from a risk management evaluation systemto predict risk, build a comprehensive risk management information system perceivedrisk, build internal control system to prevent, building risk diversification risk transfermechanisms to resolve. Finally, in order to better promote the construction of the riskmanagement system, a risk support measures be designed, respectively from the riskmanagement organizational design, the principles of risk management system, theimplementation of the program and the distribution of benefits and incentives and disincentives were carried out to mobilize the enthusiasm of the staff, improvesecurity risk management system, promote the steady and healthy development of thecompany.