JF Financing Guarantee Company Internal Risk Management System Improvement Research

In recent years, the domestic financing guarantee industry rapid development, largely to alleviate the financing difficulties of SMEs, difficult security issues, to promote the rapid and stable development of China’s economy, which has the positive significance to realize social and economic benefits. See the results at the same time, we are also aware of the financing guarantee industry for many years the capital strength is weak, lack of talents, guarantee their management is not standardized, imperfect internal control mechanism, all kinds of risk problems still exist to varying degrees. In addition, in recent years, the excessive increase of financing guarantee institutions, lack of regulatory power, financing guarantee institutions have a lot of problems to be solved. Therefore, how to identify risk, assess risk, risk prevention, establish a sound risk management system, for the healthy and sustainable development of the guarantee institutions is of great significance.Based on this, this paper takes JF financing Guarantee Corporation as the research object, based on the understanding of risk management and credit guarantee theory, adopt the research methods of literature survey and investigation, a detailed description of the JF Guarantee corporation financing management, business process and risk management status, in-depth analysis of existing problems and its risk management system the cause of the problem. On this basis, put forward an improvement of JF Guarantee corporation internal risk management system, to ensure that the various departments of the company to the mutual restriction and regulation, tracking, at the same time, put forward the safeguard measures and corresponding.On the one hand, this research is conducive to the promotion of Xi’an JF financing Guarantee Corporation to build a comprehensive risk management system, to promote the healthy and sustainable development; on the other hand, provides the reference for the risk control of China’s SME credit guarantee institutions and risk management.