Research On Risk Management Of HT Financing Guarantee Corporation

With the high-speed operation of the market economy,our country guarantee industry from 1993 to now,after 20 years of development,the number of guarantee companies continue to increase,improve quality,guarantee system has been preliminarily established.But as in recent years the development of our country's economy is slowing,and the supervision department of the bank credit threshold to improve and guarantee the increasingly attention of the industry,as well as the development of small and medium-sized enterprises structure adjustment,has created a lot of guarantee industry changes,has experienced from start-up to development,from development to prosperity,from prosperity to the process of shrinking.As small and medium-sized enterprise financing guarantee company and bank,trust institutions such as creditors and natural bridge between creditors,enhances the small and medium-sized enterprise credit,make small and medium-sized enterprise financing difficult problem has been effectively reduced,economic and social development also had strong support and promotion.But due to the financing guarantee company development faster,relevant laws and regulations and industry standards and the lag of financing guarantee company internal risk control is insufficient,and the guarantee enterprise risk,affected factors of guarantee company,make the financing guarantee companies appear in the compensatory rate,reduced access to credit and the number of problems,such as,increasing the difficulty of financing guarantee companies development.Therefore,how to strengthen risk management,implement risk control,become the problem that financing guarantee company exists and development.At present,the situation of the financing guarantee company is like the embattled one,facing the multiple risk pressure of internal and external problems.The problem that we urgently need to solve is how to strengthen risk management,implement risk control,and avoid risks in the guarantee process.Based on this background,this paper,combined with HT financing guarantee company(hereinafter referred to as "HT company"),raises the need of risk management level and points out the current situation of risk management faced by HT company.Through analyzing the problems existing in the risk management,the author puts forward some Suggestions such as strengthening the management infrastructure,improving the information base and management information system,and establishing the personnel training system.Hope that through the analysis of HT company risk management,reviewing HT company to play a positive role to prevent risks,and enhance the level of risk management for other financing guarantee company play a role of reference and reference.