Risk Management Research Of ZZ Bank And Government Bank Guarantee Loan

At present,in the financing process of commercial banks,micro-enterprises and retail customers will be required by the banks to provide guarantees against risks.In addition to collateral and pledge,the guarantee provided by the financing guarantee company can also be used as an effective guarantee to help the borrower to finance successfully.With the deep development of the economic situation,financing guarantee companies have successively failed to go on the road and other phenomena.Some state-owned guarantee companies have gradually emerged as a result of their own reasons.The temporary suspension of business cooperation is not conducive to the healthy development of banks and the perfect development of China's guarantee system.Firstly,this paper introduces the theoretical basis of the existence of "Government Bank-guaranteed loan ".This paper introduces the facts and legal basis of the existence of " Government Bank-guaranteed loan " from the aspects of the basic concept,classification,policy,law and regulation of the cooperation between bank and state-owned guarantee company,and analyzes the existing guarantee mode of ZZ bank.Then,from the macro and micro aspects,this paper analyzes the risk problems of ZZ Bank's "Government Bank-guaranteed loan",and further reveals the risk problems of "Government Bank-guaranteed loan" with specific cases.The specific reasons for the risk of ZZ Bank's " Government Bank-guaranteed loan " are elaborated in terms of credit system construction,laws and regulations,internal risk control of banks,the operation of state-owned guarantee companies themselves,risk dispersion mechanisms,and the borrower's default cost.By judging and recognizing the existing risk of the loan guaranteed by the government bank,the corresponding countermeasures are put forward.At last,the paper's deficiency is analyzed,and its application value is forecasted.