Research On Guarantee Risk Early Warning And Control Of F Company

In recent years, the company's external guarantees problem is not only the object that the investors and regulators focus on, but also one of the hot topics of China's securities market. In market economy, if the company's guarantee business is used properly, it can not only promote financing between credit trading main bodies, but also make the debtors, creditors and the third party guarantor achieve mutual benefit and win-win results. On the contrary, if it cannot be used properly, it will become the resistance of the development of the securities market. In recent years, the company guarantees behaviors reveal some problems, but have been unable to get a thorough solution. In recent years, the security problem, though, after many years of management and the specification, but have not been able to be completely resolved, violate compasses guarantees have become more and more intensified and cannot be noticed easily. If the company abuses the guarantee, it can lead to the risk expansion excessively. Once the problems outbreak, it will not only increase the financial risk of the enterprise, but also even spread seriously to the whole financial market. It has become an urgent problem that how to warn and control the company guaranty risk for the company management authorities at present.Nowadays, research on guarantee business risk warning theory is main for banks and guarantee companies, for manufacturing companies guarantee business is rare. This article takes F company as the research object, in order to solve risk early warning and control problems of F company guaranty business. In this article, by collecting and analyzing the related literature of guarantee business risk early warning and control on the domestic and foreign company, with the use of company guarantee business risk early warning theory and analytic hierarchy process, and combines with the research achievements of other scholars, establishes F company guarantee business risk early-warning index system which contain the early warning system of macro-environment risk, the early warning system of company's internal risk and the early warning system of guarantees risk; Take the related quantitative and qualitative indexes respectively into F company guarantee business risk early warning index system, based on the early warning results find that the guarantee risk of macro environment system and internal system is in a state of alert, and the guarantee risk of guarantee company system is in a state of crisis; This article suggests to strengthen macro environment system guarantee under the premise of risk control, the F company management also needs to be both company internal system and guarantee system to strengthen the control of the guarantee business risk, to reduce the company losses by guarantee risk.By analyzing the results of F company guaranty business risk early warning research, we know that F company guarantee risk is serious, and the risk of guarantee company system is most serious, followed by the F company internal system risk, the macro environment system risk is minimal. Company management is insufficient attention to guarantee business, that usually leads to make the company management can't guarantee response to the risk timely, making the company suffer losses. Therefore, F company should establish a set of guarantee business risk early warning index system, so that management can do the appropriate risk prevention under the early warning signal before the advent of a guarantee risk. And we want to reduce the F company's guarantee risk, not only from the company's own internal and guarantee companies provide solutions, but also from the aspects of macro environment to strengthen the control of company guarantee business risk. This article argues that to solve the problem of F company guarantee thoroughly, not only as a secured party F internal norms of legal person governance structure need improve the risk assessment and response mechanism, perfect the company rules and strengthen the control of quality and quantity guarantee, and the guarantee business process need to be in the process of scrutiny about the guarantee company's credit rating and regular inspection about the guarantee company's operating and financial conditions, but also need to hold a good macro environment system such as bank loan hold good review, regulators proposed tougher supervision policies and regulations, the country develop the capital market to broaden the financing channels, from different angles to better solve the problem of company guarantee business risk.