Research Of The SME Financing Guarantee Risk XX Guarantee Corporation

With the development and reform of market economic system in China, the importance of small and medium-sized enterprises in the market economy is more and more outstanding. Because of China’s Bank credit are inclined to large enterprises, resulting in SME bank financing difficulties, which has become a bottleneck restricting the rapid development. Financing guarantee institutions in the development of our country, effectively alleviate the SME credit difficulties, solve the fund shortage problem in the process of its development.At present in our country the financing guarantee institutions is still in the initial stage of development, despite the national policy support, but its management mechanism and mode of development is not perfect, too little industry experience, if not for the rational management and guide, is likely to lead to higher risk. Therefore, the risk management of China’s financing guarantee institution, is particularly important.Management of the small and medium-sized enterprise financing guarantee risk based on the XX guarantee investment limited company as the research object, based on the XX company on investigation, find out the risk management exists the risk of credit guarantee, legal risk, operational risk,management risk, moral risk problems such as improper counter guarantee measures. The main reasons is because the borrower repayment capacity,lack of enterprise credit is low, the management is not reasonable cause.Therefore, XX Guarantee corporation should further strengthen the credit concept, improve the service level, the establishment of project project appraisal decision procedure, scientific strengthen in setting up the dynamic management, and project risk level, strengthen the compensatory project management and recovery in order to improve the ability to resist risks.