GS Financing Guarantee Company Guarantee Project Process Design

Small and medium-sized enterprises in China face many difficulties in the development process.Among them,financing difficulties are always the hover of SMEs.This is due to the fact that the small and medium-sized enterprises in China are of small scale and lack of good management.As a result,financial institutions,such as banks,are more difficult to support the financing of such enterprises,such as the weak ability to deal with risk,poor management ability,low level of credit and lack of transparency.Financing Guarantee Corporation has strong capital advantage and improves its reputation through its own compensation capability,and gets financing from banks and other financial institutions.Usually,Guarantee Corporation's guarantee fee income does not exceed 2% of the enterprise loan amount,which is affordable for enterprises that are difficult to finance from financial institutions.However,as a capital bridge between banks and enterprises,the financing Guarantee Corporation has a higher default risk.How to improve the risk identification and risk prevention ability of financing Guarantee Corporation is an eternal topic in the operation process.Due to the late start of China's guarantee industry,the theoretical research and operational practice of security are lagging behind other developed countries.And because the social credit system in our country has not been completely established,the personal experience quality of the employees needs to be improved,which leads to the higher risk of potential loss of the Guarantee corporation without financing.Through the author's years of credit work experience,this paper sums up the common risk points of Guarantee Corporation in practice,and combines the theory of risk management to set up a whole system of project operation process for the newly established GS financing Company Limited by Guarantee in Inner Mongolia.The corresponding form and content are carefully designed,and the risk factors such as man,system and supervision are prevented from operation level.It provides a basis for the implementation of all departments and personnel in the company,and has certain practical significance.