Operating Risk Control And Case Study Of The Financing Guarantee Company

Nowadays, the bank financing of SMEs is still in awkward situation, although the commercial credit and financial credit are developing with the progress of the society gradually and financing needs of the SEMs are increasing. Enterprise Financing Guarantee Institution, which is a financial intermediary between the bank and the enterprise, relieves this predicament. Therefore, the bank shifts most of the risks to the Financing Guarantee Institution under the condition of keeping credit business.At present, the Financing Guarantee Company normally only charges 3% of each business on average as the handling fee; But once the risk happens, it will pay at least 70% of the loan amount. It’s easy to see that the financing guarantee company generally operates the risk for a living. Based on this, the bank controlling is becoming its survival condition. In the processing of taking guarantee, some problems such as lacking of risk identification experience, shortage of effective risk controlling measures, missing of release channels for risks will likely increase the possibility of financing Guarantee Company’s compensation, which will ruins all the efforts and will be a destructive blow. Then, how to correctly understand the risk and take measures to resolve or decentralize the risk?With an example of Sichuan X Financing Guarantee Corporation, this paper mainly research on all kinds of risks existing in the daily operations of the financing guarantee company and corresponding risk controlling measures. It is hoped to be a reference to establish an effective risk prevention system, improve the risk controlling ability of financing guarantee business, improve the risk controlling mechanism of financing guarantee business, which in turn play a part role in reference for the securely start and sustainable development of financing guarantee business. Based on the financing guarantee status, this paper elaborates the internal and external risk confronted by the financing guarantee company combining the theoretical analysis with practical application, it summarizes the author’s work experience in the financing guarantee controlling, and concludes that the financing guarantee company must pay attention to the risk controlling to keep develop steadily. Furthermore, hope the key thoughts of keeping the financing guarantee industry develop successfully mentioned in this paper can relief the headache financing problems of SMEs and promote them develop robustly.