Research On The Optimization Of C Financing Guarantee Corporation Business Risk Management

In recent years,the financing guarantee industry in China has been developed rapidly,the existence of the industry plays an irreplaceable role in improving the efficiency of social capital and improving the credit system of the whole society,and it has achieved good economic and social benefits in general.As an emerging industry,the financing guarantee industry is inseparable from the prosperity of China's economy and society.But in essence,the financing Guarantee Corporation is mainly to provide service for the enterprise of sharing risk and credit services,therefore,most of the customers are small and medium enterprises.As a link between the company and its creditors,its business activities itself has a high risk.Coupled with the fact that China's financing guarantee industry started late,lack of experience in risk management,the ability of controlling risks is not strong.This lead the whole industry as a typical high risk,low income characteristics.In order to ensure the steady development of financing Guarantee Corporation,better meet the financing needs of small and medium-sized enterprises(SMEs),and inject vitality into the entire security industry.Raising the level of risk management and control of Guarantee corporation financing is particularly important.At the same time,this is the main purpose of this study.C financing Guarantee Corporation was founded in 2012,it is a company approved by the provincial government,and controlled by the provincial finance department's financial investment management company,7 provincial bureaus shares,and also a large state-owned security company with seven subsidiaries.In this paper,taken C financing Guarantee corporation risk management optimization as the research object,stated the company's current operating status and current situation of risk management of financing guarantee business.Through the analysis of its problems in risk management,roundly carded the causes of risk,came up with reviewing of the normative guarantee business and overall control project risk;to establish and improve credit rating system,improve risk diversification mechanism;to improve the company's management system,strengthen the supervision of the secured enterprise;to enhance the quality of staff training,comprehensive prevention and control of moral hazard,ect.This paper adopts the research method of combining theory with practice,based on the understanding of the development of financing guarantee business,analysis of the problems and causes of C financing Guarantee Corporation in business risk management,combined with my practical experience,Strive to play a reference for the company's financing guarantee business risk management optimization design.At the same time,hope to provide a useful reference for other financing Guarantee corporation risk management.