Research On The Risk Management Of Guarantee Business Of Y Guarantee Company

Credit guarantee institutions as small and medium enterprises and banks financing intermediary,is internationally recognized high-risk industry.The guarantee institution uses its own registered capital to guarantee the credit for the small and medium-sized enterprises so that the small and medium-sized enterprises can obtain the bank loan smoothly,but also pass the risk of overdue the bank's loan.In this situation,the risk management level of the guarantee community will directly affect the industry's operating conditions.And guarantee the institutional operating conditions of the industry will directly affect the development of small and medium enterprises.Therefore,for the guarantee institutions,the establishment of a sound and perfect risk management system to help them predict,identify,control the risk,so as to better support the development of small and medium enterprises.This article mainly focuses on the risk management of Y guarantee company as the main research object.Based on the background of the development of the guarantee industry,the research on the risk management of the guarantee industry at home and abroad is expounded on the basis of the relevant literature and information materials.Then,based on the theory of comprehensive risk management and the requirement of internal rating in Basel agreement,this paper analyzes the current situation of risk management of Y guarantee company,and points out that Y guarantee company is responsible for risk assessment,key risk point control based on internal rating model,internal management and external Cooperation issues,and for these issues for the Y guarantee company to provide a more comprehensive risk management recommendations.Through the above research,it is concluded that in the process of risk management of Y guarantee company,by increasing the consideration of entrepreneur moral hazard,the target market customer stratification,the standardization of customer access index,the restriction of single customer credit line,The collateral classification of the collateral,the warning indicators detail the norms of these specific risk points,as well as the establishment of internal control on the separation mechanism,the accountability measures and internal control supervision,external strengthening and cooperation with the bank these auxiliary management system,Y guarantee companies to achieve better business risk management level,more to meet the needs of market credit risk control,and other security companies in the risk management of practical reference.