Research On Risk Of Agricultural Loan Policy Guarantee Of GDND Company

The communist party of China(CPC)proposed to implement the strategy of rural rejuvenation,accelerate the modernization of agriculture,and build a modern agricultural industry system.Due to agricultural management main body weak economy,itself has the nature of the small-scale peasant economy,which lead to financial institutions can't also reluctant to make loans,shortage of funds has become the major obstacle of agricultural development.Establish and improve the agricultural loan guarantee system,and lead to promote financial capital into agriculture,both solve agriculture "financing difficulties" and"high financing cost" problem,also is the new normal,the important measures for the innovation mechanism of agricultural financial subsidies to promote the development of modern agriculture,to steady growth,promoting the reform,restructuring,livelihood of policy practice also has positive significance.Domestic research on policy guarantee of agricultural loan mainly stays at the theoretical stage and lacks the summary of specific practical experience of enterprises.Through field research on GDND company,this paper makes an in-depth study of its organizational structure,business process,current situation of guarantee business risk,and risk control measures of guarantee business.On the basis of referring to the existing research results and information materials,this paper expounds the domestic and foreign researches on the risk control of guarantee industry.And then combining the theory of financing guarantee,risk control and draw lessons from loan policy support related research results,problems about the present situation of GDND company risks and risk control measures are illustrated,points out GDND company in guarantee business risk control problems,and analyzes the causes of the problem.Finally aimed at these problems,using the theory and methods of financing guarantee risk control,guarantee business for GDND company risk control to provide a more perfect risk control recommendations,and implementation of the security,to achieve the company target optimization and reduce the risk of guarantee business goals.Risk control is the core competence of GDND.Through the establishment of risk identification,risk assessment,risk response to organic unification of risk control system,can improve GDND company guarantee business risk control level,to enhance their management ability,promote the improvement of competitiveness.It is hoped that this study can provide a reference for the risk control of agricultural loan guarantee business of similar companies.