Research On Credit Risk Management Of Buyer’s Credit Guarantee For Haier Dealers In HN Guaranty Company

Based on the theory of supply chain finance,this paper puts forward the role and significance of supply chain finance in solving the financing problems of smes.As a new financing tool,supply chain finance is an important entrance to improve the financing performance of smes.The development of supply chain financing guarantee business has also become an important breakthrough in the business reform,innovation,transformation and development of guarantee institution.This paper studies the practice of HN guarantee company in promoting the development of smes by developing the buyer’s credit guarantee business of Haier dealers.Generally speaking,the implementation effect of the buyer’s credit guarantee business of Haier dealers is good,with remarkable effect and controllable guarantee risk.However,there are still some problems and deficiencies in the credit risk management of the business.HN guarantee company has six problems,such as unreasonable internal organizational structure and responsibility allocation,inherent deficiency of guarantee product design,incomplete evaluation dimension setting in dealer credit evaluation system,lack of flexibility of guarantee pricing and default penalty mechanism,formalized guarantee management and the lag of information construction.This paper puts forward the corresponding credit risk management countermeasures,including the establishment of Haier dealers buyer’s credit guarantee business department to build a professional operation team,the realization of closed-loop management through product innovation,the construction of dealers’ comprehensive credit evaluation system,the establishment of a reasonable pricing reputation mechanism,remote post-guarantee management,and the use of modern information technology to carry out customer operation management system.Through the business practice of Haier dealers buyer’s credit guarantee,HN guarantee company has explored the financing solution of "financial company + guarantee institution" for smes,which has realized the multi-win situation of related parties in the industrial chain.It provides a new research idea for solving the financing problem of smes,and also conducts a beneficial exploration for the business transformation of guarantee institution and financial institution.