Research On The Development Strategy Of ZiBo Anxin Finance And Guarantee Company

With the development of China's financial market,private enterprises in the field of credit guarantees have developed rapidly.Currently,they have become an important part of the market,and their market share has now surpassed the state-funded policy guarantee agencies.However,due to the high risk and low returns of private guarantee companies,non-policy guarantee companies,ie non-state-controlled private guarantee companies,cannot access the five state-owned joint-stock banks.Private guarantee companies are subject to many policy restrictions.Zibo Anxin Financing Guarantee Co.,Ltd.(Sichuan Security Co.,Ltd.)is one of them.Under the background of stringent policy supervision and vigorous financial market development,how to formulate development strategies and achieve further market development,the company's middle and senior management For personnel,it is both a challenge and an opportunity.As a guarantee agency with government investment as the guide,market-oriented operation and enterprise management,the local government's strong support,the rapid increase in credit guarantee financing demand,the increasingly good credit environment,and the continuous strengthening of bank cooperation have ensured that The local industry has certain competitive advantages.The company has a good relationship with the local government and banks,has an excellent team,and establishes an effective risk control system and a stringent guarantee evaluation system,effectively expanding its competitive advantage;but At the same time,Anxin guarantee company also faced the threat of inadequate industry supervision,intensified competition with the industry,continued emergence of financing alternatives,bank de-guarantee,etc.,coupled with the company's operating activities are limited,the company's human resources reserve is insufficient,market development capabilities The disadvantages of relatively poor marketing capabilities and relatively low visibility have restricted the company's development.From the essence of guarantee company vision "became the founder of the outstanding service" and the mission of "building a harmonious and stable environment,do good faith society pillar" to analyze,access security company need to develop a long-term viable development strategy,three steps to achieve the company's diversified business development goals.Specifically,it includes strengthening the construction of risk control system and focusing on risk control.At the same time,in order to reduce the risk,it is necessary to establish risk transfer and compensation mechanism to ensure the effective control of risk.In addition,in order to further promote the development of enterprises,investment should be increased on the basis of guarantee business,so as to implement guarantee investment and combination strategy.Of course,it is the key to realize the steady development of the enterprise as the development of the enterprise,to improve the quality of service and to reduce the financing cost.Finally,in order to further improve the management ability,further improve the anti-guarantee mechanism.Outside,in addition to the above strategies essence guarantee companies at the same time by strengthening cooperation between Banks,optimize the structure of company organization,reconstruction of enterprise culture and promoting human resource quality,improve the system of company system security measures,such as to ensure the effective operation of the strategic.