Research On Guarantee Risk And Countermeasure Of Financing Guarantee Company

Small and medium enterprises have emerged and developed rapidly into a force to promote economic development these years,which makes the strategic position of large enterprises irreplaceable in the economic and social development It is extremely difficult for small and medium-sized enterprises to obtain external fiinds.The guarantee company comes into being,which becomes an important platform to offer support for some companies in China,to a certain extent,alleviates the financing difficulties of small and medium enterprises.The guarantee company is the professional institution of risk management.The guarantee risk is the interrelated risk to them,which can relate to the survival of the financing guarantee company.Therefore,in order to achieve the sustainable development,how to prevent the risk of guarantee has become the primary problem that must be solved by the financing guarantee company.Based on the present situation of the development of small and medium enterprises,the existing problems in the development and the guarantee risks brought by the small and medium enterprises to the financing guarantee companies,this paper puts forward the significance of research on the guarantee risks of the financing guarantee company and countermeasures against risks.This paper analyzes the causes of the guarantee risks of the financing guarantee company and the problems in risk prevention by analyzing the basic concepts and theoretical basis,applying the literature research method,expounding the research situation at home and abroad and using the interview method and the questionnaire survey method.It is found that there are some problems in the guarantee risks of the financing guarantee company,namely financial early warning is not in place,the internal control system is unreasonable,the correct judgment of the macro business environment lacks and customers evade debt maliciously.Moreover,it is found that there are some problems in the risk prevention of the financing guarantee company,namely the leadership does not pay enough attention and supervise after guarantee,and counter-guarantee measures are not in place.The paper put forward the guarantee risk prevention countermeasures and suggestions in accordance with the reasons for the guarantee risk of the financing guarantee company.Finally,the case study method is used to take the financing guarantee company of H as an example to further explain the guarantee risk prevention countermeasure and suggestions of financing guarantee company.The innovation point is to put forward the guarantee risk prevention countermeasures of the financing guarantee company from the cause of the guarantee risk of the financing guarantee company.However,some of the views and references in the paper may not be fully mature,and there are many shortcomings and deficiencies.For example,the quantification of the internal control system design is not enough,but I strive to perfect this paper in the future work and study.