Research On Business Risk Management Of X Financing Guarantee Corporation

Because of their own weakness,small and medium-sized enterprises usually can not obtain loans directly from the bank.As agencies that specifically provide credit services to small and medium-sized enterprises,the financing guarantee company not only support the development of enterprises,but also scattered the bank's loan risk.However,in the actual operation of X financing guarantee company,due to the unequal status,the company has inherited the risk of cooperative bank passively.With the downturn of economic,X financing guarantee company is suffering so much compensatory pressure,some problems of business risk management in the process exposed,and therefore,effective measures should be taken to solves those issues.Firstly,this paper combs the domestic and foreign research on the business risk management of the financing guarantee company.Then,taking X financing guarantee company as the main research object,combining with the author's work experience in the past two years and the actual operation case of the company,summarizes the problems existing in the business risk management of the company.The main results are: from the outside,there are some problems such as the unclear supervision subject,the excessive intervention of the government,the unreasonable cooperation mode and the lack of credit system construction,lack of innovation capacity,a single profit model,unreasonable human resources management and other factors.Finally,in order to help X financing guarantee company better serve the local small and medium enterprises,to play its "bridge" role,as well as its own sustainable development,combined with the previous study,this paper has proposed some suggestions to improve the company's business risk management capabilities,such as strengthening external supervision,establishing a reasonable cooperation Mechanism,innovating business model,strengthening human resources construction and so on.X financing guarantee company in Hunan Province is a certain representation,this paper takes it as the study object,combined with the actual case of the company,summed up some problems of business risk management,and then put forward some countermeasures and suggestions,It may have some guidance and practicability.