Research On DT Company Financing Guarantee Risk Management

Since 1978,with the rapid economic development in China,small and medium enterprises have become an important strength of national economy while the large listed companies continue to improve their influence.However there are still many problems in China's SMEs,non-standard management system,poor credit and insufficient ability of managers make SMEs have low risk resistance and short life;once the economic environment becomes worse,small and medium-sized enterprises will be greatly impacted,the shortage of funds puts them at risk of bankruptcy,and the poor credit makes it impossible for them to obtain sufficient funds from financial institutions.In order to solve the financing difficulties of small and medium-sized in China,the financing guarantee institution came into being.Financing guarantee institution live between the supply side and the demand side,provide credit guarantee for SMEs,and share the bank risk to some extend,so that the bank assets have been guaranteed.China's financing guarantee industry after decades of development,the level of risk control and the role of financing for SMEs has been significantly promoted,at the same time,either in quantity or size of the guarantee for small and medium enterprises are improved.However,due to the late start of China's financing guarantee industry,the pace of social credit system construction has not been able to match the pace of economic development,and there are still many problems in the process of risk management in the guarantee industry.As a highly specialized risk management institution,the financing guarantee institution faces various risks from both inside and outside.If the financing guarantee institution can not prevent,avoid and transfer risk through the effective risk management mechanism and perfect internal control measures,not only will it affect the healthy and stable development of the whole industry,but it will also seriously affect the entire financial system.This paper.consists of six parts.The first part elaborates the background of the financing institution,the significance of the research,present circumstance of the financing institution,research methods and innovations.The second part is the conceptual definition and theoretical basis,which mainly expounds the connotation of the financing guarantee and risk,as well as the theory of financing guarantee and the theory of financing risk management.The third part is divided into three aspects,one aspect emphasizes the status quo of the financing guarantee industry.The other part makes a brief introduction to DT company.The third part introduces the basic condition of the financing guarantee business of DT company.The fourth part comprehensively analyzes the risk types of the DT company,DT company risk management measures,pointing out the existing problems of risk management.The fourth part is based on the existing problems of risk management in the preceding chapter,it presents significant improvement suggestions.The last past is the conclusion,which makes a summarization of whole paper.This article through to the DT company financing guarantee risk management case study can be further perfect the relevant theoretical system,the current domestic guarantee institutions to provide powerful theoretical guidance,risk management,2 it is can help get rid of the current financing guarantee industry development,promote the healthy and stable development of the industry.