Research On Influencing Factors Of Risk Control Ability Of China's Mixed Ownership Guarantee Business

Mixed-guarantee companies are third parties to the credit business.They agree with creditors such as banks that when a secured debtor fails to fulfill its debt-relief obligations,the guarantee company shall assume the contractual guarantee liabilities in accordance with law.With the continuous development of China's non-governmental finance,the development of the guarantee industry has also become more and more powerful.It has promoted local financing,played a catalytic role in the development of SMEs,and made up for the lack of formal financing channels.However,However,due to the fact that the guarantee company supplements formal finance,the quality of its customers,and the content of its guarantee business,it always faces higher risks.Therefore,the risk control of the guarantee company has always been the focus of attention at home and abroad.In addition,in the past year,China's security companies in Wenzhou,Luoyang,and Xi'an have all collapsed,which has brought great impact on the regional economy and society.Solving the problem of risk control of guarantee companies has become an important issue.This article focuses on the mixed guarantee companies as the research object,firstly combing the business process of our country's mixed guarantee companies,summarizing and analyzing the internal and external risks faced by the actual situation,and discovering the actual existing risk control issues;Considering the complexity of security companies facing risk,this article refers to the method of comprehensive risk management,based on the comprehensive risk control methods of process management and supporting facilities,and finally summarizes the five main factors that currently affect the risk control ability of our country's mixed security companies.Afterwards,this article analyzes and studies the risk control ability of the guarantee company from the perspective of empirical analysis,and proposes relevant models based on the five main influencing factors and the actual situation.After the empirical data were collected through questionnaires,the influence of five factors on the risk control ability of our country's guarantee companies was examined,and the relationship between them was found.This paper verifies the five main influencing factors of risk control and the relationship between the effectiveness of risk control and cointegration through empirical analysis,and completes the test of hypothesis.At the same time,it has found several factors that are important for the risk control of the guarantee company,and has a clearer understanding of the importance and relationship of each factor.At the same time,the results of the model test also reflect the counteraction of some factors on risk control capabilities.For example,in the case of the primary level of risk management,post-guaranteed management and supervision have a certain degree of counteraction on the cointegration of risk control.However,after the overall risk management level has been raised to a certain extent,post-security management and supervision have a certain role in promoting risk control.At the same time,information management and control have the same impact on the effectiveness of risk control.This paper also concludes that the positive impact of major influencing factors on risk control capability is better at a certain extent,However,if you do not consider the overall risk management capabilities,a single enhancement of one of them will have an adverse effect on the overall risk control.This phenomenon is particularly evident in the operational environment of the guarantee business for the cointegration of risk control and the effectiveness of post-insurance management and supervision for risk control.Based on the research results of this article,guarantee companies should balance the management strengths of various factors in the process of increasing their own risk control capabilities,and then choose a more reasonable risk management approach after fully understanding their own circumstances;at the same time,The adverse effects of some factors should be taken into consideration,so as to avoid the problems that affect the overall risk control ability due to individual risk management problems.