The Research On Financial Analysis System In Financing Guarantee Business

China's guarantee industry develops with the continuous improvement of the market economy system.After 20 years of development,the security industry in the market economy,the function is more and more prominent,has become an important bridge between small and medium-sized enterprises and bank indirect financing market,bill market,trust market and capital market.An important industry as an emerging and emerging energy,China guarantee industry rapid growth,plays a positive and indispensable role in many aspects of serving the local economy and the development of small and medium-sized enterprises.But at the same time,guarantee industry is a risk and the accompanying industry in recent years in the macro China downtown pressure on the economy under the background of compensation rate continues to rise,the business volume continued to shrink the trend of guarantee industry,guarantee business risk identification and control ability needs to be improved.Financial analysis and evaluation runs through each phase of the decision-making process of the guarantee project,and is one of the important means to enhance the ability of risk control and management of the guarantee business.For the financial analysis,first of all to guarantee project,can understand the solvency and risk status of the enterprise and help to make the decision whether to guarantee;secondly,the Guarantee corporation can strengthen the professional comprehensive risk management and control ability,plays an important role in the healthy development of Guarantee Corporation;finally,the rational allocation of credit resources can be optimized.Guide financial resources more reasonable on the development potential of small and medium-sized enterprises,so as to solve the current situation of small and medium-sized enterprises are facing financing difficulties,and promote China's economic structural adjustment.Through on-the-spot investigation and literature research on financial analysis theory.In this paper,and on this basis,combined with the characteristics of business model and financing guarantee of the financing guarantee business financial analysis analysis of the status quo.Pointed out that the current financing guarantee business financial analysis problems:the first is the distortion of the financial statements,the basic data is not real guarantee decision;second is the financial indicators of a simple list,the lack of effective correlation analysis;financial analysis system is again scattered,difficult to form an overall grasp project;financial analysis and lag,lack of ability to predict four problems.Aiming at the above problems,the thesis analysis ideas of establishing system of financing guarantee financial institutions,the formation of a"financial analysis,strategic analysis for navigation,a systematic thinking method of"financial analysis system construction principle.Three principles,interaction and common support,based on the status quo of the security industry,a comprehensive analysis of the risk of guarantee business.Then,on the basis of the theoretical framework of financial analysis and the analysis of risk management and control mechanism,the system of financial analysis in the financing guarantee business is systematically constructed.The financial analysis system of business process management throughout the whole guarantee before insurance due diligence,insurance risk audit,insurance,based on financial data analysis,data mining and the meaning behind the comprehensive understanding of the intrinsic value of the enterprise and development potential,so as to make the best decision guarantee business.Paul stage due diligence before analyzing the economic characteristics of the secured industry and specific strategies,so as to guarantee the profitability of the business evaluation and risk,as a preliminary basis for decision making;Paul audit stage focuses on identifying three secured firm specific risk:credit risk,financial risk and operational risk,into the a deepening with the risk analysis of the financial perspective concept,the final decision as to whether or not the guarantee;application of insurance management stage is mainly based on financial data to early warning and risk management,take targeted measures to disperse and evade the risk,avoid the loss of guarantee project.Finally,the financing guarantee business of the financial system of the smooth implementation of the construction of three specific safeguards.Are set up in line with the guarantee business development organization structure and business process,to maximize risk identification and risk control ability;build excellent corporate culture and organizational spirit,brings together their own strong spiritual power;strengthen the education training and the establishment of talent incentive mechanism,enhance staff ability and initiative,to provide reasonable human resources guarantee for the implementation of the financial system.Through the above research,the financial analysis system of financing guarantee institution is clearly defined,and it provides reference and reference for other eligible guarantee institutions,guarantee business and financial analysis system construction.