Research On Customer Credit Risk Assessment Of Financing Guarantee Institutions

Although the financing guarantee industry started relatively late in China,has played a big role,it has solved the part of the small and medium-sized enterprise financing difficult problem.In the development of security industry history,from the initial development to the present reshuffle.Few financing guarantee the company to survive,to be able to survive the inevitable is is risk control ability of the company,especially the private security company.Financing guarantee company is different from traditional industries,the sudden a compensatory projects,is enough to will be destroyed.The financing guarantee company is keen to avoid the risk of other industry.Therefore,how to better evaluate the customer credit risk level,from the source control credit risk,to reduce the rate of compensatory of financing guarantee institutions,promote the healthy development of financing guarantee industry has important significance.In recent years,China's real estate market,the stock market downturn,steel and other traditional industries with excess capacity,the government forced closure of some production processes,inefficient,overcapacity,inflation,private lending,and many other factors affect the macroeconomic environment,has brought various industries are operating pressure.Many small and medium-sized enterprises(smes)to show the accounts receivable recovery harder,tension and even rupture of cash flow problems,trigger a "domino effect",management risk spread to the upstream and downstream enterprises,the overall economic situation is difficult.Enterprise management risk,servicing capacity affected by a certain,compensatory financing guarantee company,varying degrees of increase,the original credit risk evaluation method faces new test,virtually on credit risk management in the financing guarantee company put forward the update more requirements,to improve the existing analysis method of customer credit risk level is more reasonable judgment,not as usual too much focus on the insurance after the risk control and risk response,so that we can effectively avoid risk at the outset.Risk assessment as one of the elements of internal control,improve the level of internal control of enterprises has important significance.This article mainly around the financing guarantee company customer credit risk evaluation were studied.First,explains the financing guarantee company customer credit risk assessment of the background and significance,as well as the financing guarantee,credit risk,credit evaluation related literature reviewed.Secondly,by analyzing the current banking credit risk evaluation system and evaluation system of large guarantee agencies,combined with the questionnaire designed reasonable financing guarantee company customer credit risk evaluation index system,and using the analytic hierarchy process(ahp),the combination of qualitative and quantitative method of index weight are analyzed,so as to build the accord with the actual situation of the financing guarantee companies reasonable customer credit risk evaluation model.With B company as an example,finally,through the customer credit risk rating of B company to verify the rationality of the evaluation model,so as to reveal the B company to operate the cause of the trouble is that customers choose badly.,therefore,to find a combination of qualitative and quantitative methods,make up for the financing guarantee companies simply the lack of sensibility analysis credit risk,help its objective and reasonable analysis of credit risk,reduce the credit risk,improve its risk control level,improve the institution has great ability to resist risks.