Research On The Optimization Of Financing Guarantee Business Risk Management Of Small And Medium Sized Enterprises

SMEs are an important part of the national economy, in ensuring economic growth, plays a very important role in alleviating employment pressure and maintaining social stability, but the financing of small and medium enterprises face many difficulties, financing is the main problem, which has become a bottleneck which restricts the survival and development of small and medium-sized enterprises. The reasons for the financing of small and medium-sized enterprises the root cause lies in the serious information asymmetry between commercial banks and Guarantee Corporation--SMSe, once the student to solve this problem, the foundation which also created the small and medium-sized enterprise financing guarantee business for SMEs credit guarantee institution’s main business.In order to solve the problem of difficult financing of small and medium-sized enterprises, the Municipal People’s government, the C G bank, Chinese C group in 2006 set up a joint Guarantee Corporation C, to provide professional services to small and medium enterprises financing policy of security products. The total assets of small and medium-sized enterprises exist small, indebted rate is high, the real factors to guarantee value quantity is small, the internal management is not perfect, the financing mechanism and information asymmetry, determined the C Guarantee Corporation is facing great security risks in the accountability process, and the characteristics of the policy guarantee mechanism itself has the high risk, low income determines the core C of Guarantee corporation management is risk management, how to better prevent and dissolve the risk is the core problem of survival and development.This article from the status quo of Guarantee Corporation SMEFG business risk management, analyzes the present domestic Guarantee Corporation SMEFG business problems in the risk management, and take the C Guarantee Corporation as optimal risk management SMEFG service specific object of study, analyzes the C Guarantee corporation credit guarantee risk management situation of physical system and its existing problems, combined with practical work the strategic management etc. the related theory knowledge and the guarantee case work, the use of deep analysis of C Guarantee corporation credit guarantee environmental SWOT model, proposes the construction includes the construction of "two-dimensional" the concept of risk management, the optimization of customer credit evaluation mechanism, perfecting the mechanism of operation of VAR risk assessment, the establishment of qualitative and quantitative classification of five stage Zate model combining the risk control, risk compensation and compensation mechanism and other aspects of the whole process control of credit guarantee risk management system.The thesis consists of five chapters: the first chapter discusses the introduction; the second chapter describes the status of Guarantee Corporation SMEFG business risk management; the third chapter analyzes risk management Guarantee Corporation SMEFG business problems; the fourth chapter proposes the optimization scheme of Guarantee Corporation SMEFG business risk management; the fifth chapter to Guarantee Corporation C SMEFG business risk management case(A company) as an example of empirical research; the sixth chapter is the conclusions and suggestions.