Research On Risk Control Of Financing Guarantee Corporation In Anhui

Small and medium enterprises in Anhui province accounted for over 60%of total number of enterprises,is the middle power of national economic development,in promoting employment has played a huge role in increasing taxes.But small and medium-sized enterprises in the development process,has always been faced with lack of funds,the loss of labor force,the scale is difficult to expand and so on.Because of the shortage of qualified collateral is not enough the lack of credit,it is difficult to become a service object of financial institutions,unable to get low-cost financing.But the financing of Guarantee Corporation,to open a breakthrough for this global problem,they can use multi-platform and self strength to help small and micro enterprises to solve the financing problem.In recent years,due to the policy environment of continuous improvement,the role of market mechanism,Anhui province policy financing Guarantee Corporation to rapid development,a strong capital strength of private Guarantee corporation are catching up.They contribute to a positive for.2015 years the State Council issued the opinions on promoting the development of policy financing guarantee institutions for the development of small and micro enterprises sure,the policy attributes and business orientation of financing guarantee of quasi public products,clear industry development basic operating principle.This will bring new hope to the development of the financing guarantee industry.In this context,as the top of Anhui province financing Guarantee Corporation,should seize the opportunity and strive to improve the province financing guarantee system construction.This paper studies the risk of Anhui province financing Guarantee corporation control.First on the course of development of our country and Anhui province financing Guarantee Corporation is summarized,according to the current development status of Anhui province and the problems in the development of Anhui guarantee model data analysis.The present situation for the development of "Anhui guarantee mode "effect,is to become the country learn from the example of the province;financing Guarantee Corporation strength more and more powerful,to further expand the guarantee and re guarantee system of multiple enterprises;development;industry policy law gradually improved.But the development of the problem is more serious,in the audit mechanism is not rigorous,guarantee the qualifications of employees is relatively low,Cooperation between "Banks and Guarantee Corporation" declined,and lack of information exchange guarantee industry.Then discusses the risk facing Anhui province financing Guarantee Corporation.The risk of the guarantee from the object including business risk,guarantee default risk;the risk from the Guarantee Corporation's employees including internal control risk,moral risk;from the market environment risk including the Banks and Guarantee Corporation cooperation risk,policy risk and so on.Through the risk of many aspects of the analysis,risk control and financing Guarantee Corporation in current exists some defects,improve risk control is imperative.Next this paper summarizes and analyzes the typical Guarantee corporation financing risk control experience.The German bank share including the risk compensation mechanism and tax preferential policies,the mode of operation of the U.S.government the full amount of the small business administration,as well as domestic new combined Guarantee Corporation into innovations "the fourth"cooperation mechanism.Through learning the risk control of domestic and foreign outstanding financing Guarantee Corporation,the basic measures have practical significance for risk control of Anhui province financing Guarantee Corporation is proposed.Finally,the development status of Anhui Province,financing Guarantee Corporation Based on risk and case study,the basic risk control measures from the two aspects of internal and external market environment.The Guarantee corporation internal control measures including the improvement of audit mechanism,standardize business processes;customer segmentation industry,implement differential management;the introduction of "guarantee+" mode,improve business ability;improve the quality of products and services,the formation of competitive advantage;the establishment of personnel training system,the introduction of high-quality personnel.External control measures include updating the legal documents,optimize the security environment;a unified regulatory body,to develop regulatory measures;innovation and guarantee mechanism,increase the risk of compensation;promote political Silver Bear cooperation,improve the quota;set up a platform for the exchange of information,improve the credit mechanism.Through the specific control measures,help Anhui financing guarantee industry grasp of market opportunities,Face the challenge,develop healthily and rapidly.