Research On Risk Management Of Financing Guarantee Corporation

In the process of developing market economy in China,the guarantee industry has played a very important role.In 1993,the establishment of China's economic and technological investment Company limited by guarantee marks the birth of the guarantee industry in china.After more than 20 years of development,the guarantee industry has gone through the process from the system to the standard development,from the number of growth to quality improvement,from flourishing to the shrinking industry.Financing Guarantee Corporation has played an active role in promoting the construction of financial credit system,supporting the development of market economy,especially the financing problem of small and medium-sized enterprises.From the beginning of 2013,the entire guarantee industry showed a downward trend,the-emergence of.a reduction in the number of Guarantee Corporation,the compensatory rate increased,the phenomenon of bankruptcy and other phenomenons.In this paper,from the point of view of financing guarantee corporation risk management,use the method of combining theoretical research and case analysis.This paper focuses on the risk management of financing guarantee corporation and pursues the scientific and practical nature of risk control research as much as possible.Firstly,this paper elaborates on the related theories of dynamic risk management and risk management in domestic and foreign,and constructs the theoretical basis of the research on risk management of financing guarantee corporation.Based on the theory of comprehensive risk management and the theory of risk process,the paper identifies the main risks of financing Guarantee Corporation,and puts forward the establishment of a comprehensive risk management system.Under this system,the risk control and management method of guarantee business process is put forward.By using the method of risk management,taking the actual guarantee business of Nanjing B Company limited by guarantee as an example,this paper analyzes the risks of the company's guarantee business,and puts forward the concrete methods and measures of risk management control.In summary,the study concluded that,in the face of the current economic slowdown,the security industry downturn,the core of risk management of financial institutions is to protect themselves.In order to achieve effective risk management,it is necessary to establish a comprehensive risk management system,optimize the risk management of the guarantee business,and consider the innovation of business model.