N Guarantee Company’s Business Risk Management Research

Since 1999, China’s SME credit guarantee institutions have gone through sixteen years, compared with other developed countries, the financing guarantee company is relatively new in China, the main reason is functioning and self-sustained development, mode of operation experience management, policy making, risk control and the like to prevent the problem encountered in the conduct of their company, where risk management is the most central issue. Credit guarantees are recognized high risk, low-return industry. If the lack of effective risk management, financing guarantee company is likely to become risk "gathering", loss of "imputation land", fell into difficulties can not be normal operations. Therefore, for the sustainable development of health security agencies play a primary role and functioning there is a professional risk management capabilities. National Bureau of Statistics data show that in 2012 China’s above-scale enterprises 343,800 SMEs, accounting for 97.25 percent, it can be seen to support the SME market economy, is an important force to promote economic development is to promote social stability on the basis of power. Currently SMEs are experiencing a "financing difficulties", the security has become a fundamental way to solve this problem, the security company that provides financing to SMEs arising from the guarantees. How do guarantee, how to better serve small and medium enterprises, the most important issue for each security company, while the importance of security also manifested. Ningxia is located in the western region, while at the same time with the domestic secured started, but a number of factors limit the impact of its own economy, its development, it lags behind in the country. Enterprises can not develop without funds, financing for development in each of the businesses are required, so inseparable guarantee the development of SMEs, and how a company can guarantee a better service to small and medium companies Risk management is at its core.N Guarantee Company in ningxia area is the largest guarantee company. In this paper, the N Guarantee business risk management, in guarantee risk management theory and information asymmetry theory, based on the analysis of N guarantee business internal and external risks and risk management present situation, with workers at shuizuishan in the region as an example, an enterprise guarantee related experience from the developed areas, to improve their risk management system, economy of the area according to their own particularity of targeted recommendations.