The Research On Guarantee Project Rish Evaluation System Optimization Ofcredit Guarantee Company Of Hunan

In recent years, our country's SME credit guarantee companies play an important role in providing financing services for SMEs and solving the difficulty of SME loans. However, SME credit guarantee industry is a highly specialized and high-risk industry with the typical "high-risk,low-income" characteristicsin business operation, which is closely associated with guarantee objects, guarantee company itself and its external environment. Therefore, it determines that guarantee companies will face a lot of risks during their operation. The basis and top priority of Guarantee companies are risk management. If the risk control is poor, a guarantee company will go bankrupt. Risk assessment ofa Guarantee company is to give a qualitative analysis and quantitative calculation to the factors which will cause security risks, and explore effective methods to make the guarantee companies achieve the goals of reducing, controling and dealing with risk, which will bring significant guidance for the stable operation of ganrantee companies.Based on the domestic and foreign scholars' theories of risk assessment on credit guarantee project, firstly, this article will qualitatively analyze andclassifythe risk of SME credit guarantee companies, and then analyze the characteristics and the main reason of the formationof guarantee risk,making guarantee companies understand the risks they are facing.Secondly,analyzing the main factors which cause guarantee risks deeply based on the angle of internal control from general companies' risk factors, the company's risk assessment system and the problems,the factors of the problem.Secondly, from the riskfactors of hunancredit guarantee companies, we give an in-depth analysis of the main factors of risk guarantee company on the basis of internal control,and analyzethe company's risk assessment system and its problems and causes.Finally, with the above research, we systematically give an optimization of the risk assessment system,respectively, from the project acceptance, decision-making, implementation and post-period management.By studying the article,we can quantitate the risks of guarantee companies through constructing a risk assessment system,so that guarantee companies can measure accurately the risks they are facing.Based on the optimization of the risk assessment system in Hunancredit guarantee company,this article proposes some suggestions which can reduce guarantee companies' risk effectivelytogive our guarantee companiesa better and faster development...