Research On The Risk Management Of Yingkou Credit Guarantee Corporation

The business of credit guarantee institutions is the "credit", "risk management is". Credit financing guarantee institutions can be an effective risk control is the first condition of financing guarantee institutions for the survival of the concept of risk management, comprehensive throughout, establish and perfect effective risk prevention system, build a comprehensive risk management system, effectively avoid all kinds of risk is the foundation of guarantee for the development of enterprise.The credit guarantee institutions for SMEs to address the obvious deficiencies, such as the small scale, weak in strength, R & D ability is insufficient, the production management level is low, the financial management is not standardized, low transparency, low degree of credit of small and medium enterprises, for the small and medium-sized enterprise financial institutions to obtain sufficient financing to build a bridge.In this paper, the Guarantee corporation risk management research from four different aspects, and analysis of the risks from the perspective of the actual case of in-depth research. An overview of the guarantee risk management method. Start with the concept of the concept of risk guarantee and guarantee of. Guarantee industry business is risk, the risk is the industry can not be avoided. In order to avoid the risk effectively, we must have a profound understanding and awareness of the risks, so as to truly improve the ability to guard against and defuse the risks of business. The main risk sources of financing guarantee institutions guarantee business is in a for small and medium-sized enterprises, due to various uncertain information asymmetry factors, so as to increase the possibility of financing guarantee institutions loss. Further elaborates the status and treatment method of security risk management. Analysis on the risk management of credit and financing guarantee institutions. First introduced the situation and development of Yingkou credit Guarantee Corporation, the current situation of the company’s risk management, and describes the comparison of related business other financing guarantee institutions under the area of peer. Based on the guarantee risk control target, set up the system of checks and balances within the system, establish the mechanism of decision-making and internal control science projects, focusing on the establishment of the "three check" system, and guarantee the project related content of risk process control described the establishment of the integrity of the financing guarantee institutions in risk prevention and control measures. Starting from the actual case, according to strict operational flow, each link strict control by the guarantee business risk audit, from the multi angle to show the whole process of credit risk management of Yingkou Guarantee corporation.