Research On Risk Management Of ZBXR Finacing Guarantee Corporation

Small and medium enterprises occupy a very important economic position in all countries. In China, they contribute almost two thirds of the GDP. But SMEs loans money from bank is difficult and this problem hinders the developing of SMEs. With the help of the financing guarantee companies, SMEs can loan money from banks easier. To some extent, it mitigates the financing pressure of SMEs. Banks migrates the credit risk to the financing guarantee companies in the financing guarantee business, but as we know, the financing guarantee companies does not have effective risk diversification system, so the financing guarantee industry becomes a high-risk industry and how to manage the risk becomes the accepted problem.City Hall founded ZBXR financing Guarantee Corporation in ord to effectively alleviate the financing difficulties of SMEs in the region, and gradually cut off the mutual guarantee relationship between the SMES, and construct of the credit guarantee system in the region. The registered capital have increased to 68000 millions. After several years of operation, the company gradually formed a risk management system that adapts itself to development, and has also experienced some test of the risk events. But with the continuous expansion of business scale, increasing conservation projects, the ZBXR Guarantee Corporation problems existed in risk management has gradually appeared.Therefore, the establishment of an effective risk management system is the inevitable requirement for the ZBXR Guarantee Corporation long-term stability and sustainable development.This paper based on the study of the relevant research on the financing guarantee and financing security risk, contrasts between the development of domestic and foreign financing guarantee system, research on ZBXR financing Guarantee Corporation’s development course, business status, internal management and risk management, finds out the problems and shortcomings of ZBXR financing Guarantee Corporation in risk management, identifies the internal and external risks, and proposes effectively measures to preventing and controlling risks. I hope this paper will be good to the stabilized and healthy development of ZBXR financing Guarantee Corporation and solve the problem of financing difficulty of other small and medium-sized enterprises.