Research On Risk Management Ability Of Small And Medium-sized Enterprises Guarantee Business For Fengrun Financial Guarantee Company

Small and medium-sized enterprises have made a significant contribution to the national economy and social development.But the financing difficult problem of small and medium-sized enterprises was obvious. In order to resolve the financing difficult problem of small and medium-sized enterprises, and support its development, financing guarantee institutions arose at this historic moment.However, small and medium-sized enterprise financing guarantee business with high risk.In xiamen city as an example, the number of financing guarantee company was forty in 2010. But the number of financing guarantee company is only seventeen. Therefore, to improve the level of risk management, and to do a good job of risk management both are a top priority. For any financing guarantee companies, to do a good of risk management is of great significance for the sustainable development of the company.Fengrun Financial Guarantee Company is the research object of this paper. This paper studies the small and medium-sized enterprises financing guarantee service, in the hope of providing the reference to manage the risk for financing guarantee institutions. Fengrun Company, when it was founded in 2007 in the continuously explore how to increase the company’s risk management work. The exploration of Fengrun company’s risk management mainly includes the small and medium-sized enterprises financing guarantee insurance’s former business risk evaluation,the insurancing business risk early warning,after the insurance business’s risk of dealing.After years of actively explorement, the risk management of Fengrun company was rich, and obtained certain achievements of risk management. This paper introduces Fengrun company’s financing guarantee business risk management organizational struture, process control and so on. Hopre to proveide reference for other similar company.This paper is based on expounding the literature review and the risk management theory and method of financing guarantee, to build the financing guarantee business risk management capability evaluation index system. Then use Fuzzy Analytic Hierarchy Process and Fuzzy comprehensive evaluation method to comprehensive evaluat the risk management ability of Fengrun company. In the end, the conclusion is the portfolis scored 70.1680, the assets status scored 83.1920, the earning power scored 81.7820, the risk control level scored 86.6280, the operation and management level scored 94.3060, and the total value scored 83.5800. Can be found, the operation and management leve and the risk control leve are higher, but the portfolis, the assets status and the earning power are lower than the total value. Also, the portfolis is lowest.On the basis of the previous chapters’s research results, this paper flanlly put forward the proposal in order to promote the small and medium-sized enterprises financing guarantee’s risk management for Fengrun company. The proposal specificly include to strengthen the small and medium-sized enterprise financing guarantee projuct portfolio management, set up the funds compensation progressive mechanism, improve profitability, perfect the construction of disaster preparedness plans and put up the financing guarantee business risk identification ability.