Improvement Research On Business Risk Control Of XN Guarantee Company

In recent years,with the deepening of economic reform and the development of market economy,small and medium-sized enterprises and small micro-enterprises in the national economy have become more and more important,and financing has become an obstacle to its healthy development.Therefore,the financing guarantee institutions provide a new path for the vigorous development of small and medium-sized enterprises.The financing guarantee institution charges l%-3%commission for each guarantee project and pays more than 70%or even the full amount of the loan.So the financing guarantee institution should manage the risk and the ability of risk control is especially important for it.However,as a new industry,the mode of operation of financing guarantee institutions is not mature enough,the risk control system is not perfect.Therefore,it is very important to construct a risk system that is suitable for the characteristics of the financing guarantee institutions and to control the risk within the affordable range.This paper introduces the background and significance of the topic firstly,and reviews the existing results at home and abroad.Then,on the basis of the theory of risk control,the author points out the problems in the current risk control system of XN company by means of literature analysis and case analysis,and then puts forward the solution of each problem,and gives the corresponding suggestions and countermeasures.Specifically include:improve the risk control system,enhance the enterprise risk control culture and concept,establish a complete risk assessment system,improve business processes and improve the risk sharing mechanism to enhance the level of information technology,building high-quality and efficient management of the team.Finally,according to the proposed suggestions and countermeasures for the XN financing guarantee company to establish a sound risk control model,effectively enhance the efficiency of the company.Through the improvement research on the risk control of XN financing guarantee company,hoping to cause the guarantee industry focus on risk control problems and to solve the financing difficulties of small and medium-sized enterprises.