Research On The Countermeasures To Prevent Risks In The Guarantee Business Of Yunnan RLM State-owned Financing Guarantee Company

Financing guarantee enterprises belong to a new industry nowadays.Since the 21 st century,with the rapid development of China's economy,as well as the rapid development of private high-tech enterprises,the financial guarantee industry has also been booming with this opportunity,especially the financing guarantee organizations in China's medium-sized enterprises play an extremely important role in lending.However,because China's financing guarantee industry came into being relatively late,so it has not fully developed in all aspects,many places still have defects,and many financing guarantee organizations in its internal staff and workers system is not perfect,so there are great risks in the development of the industry.Because of the high risk and high profit of the guarantee industry,the guarantee industry is a typical "high risk,low income" industry.To reduce the risk,the risk Control of the guarantee business is very important for a guarantee institution.Compared with the developed Countries,China's security industry started late,less experience,and the fatal is the weak risk control ability,these reasons restrict the development of the entire security industry.In addition,the economic growth rate has declined significantly,the development of the small and medium-sized main body encountered bottlenecks,which led to the closely related financing industry also appeared stagnation phenomenon,the entire industry entered the "severe winter"stage.At this time,the latent problems of some guarantee companies are stimulated,and many guarantee enterprises with low financing efficiency and unscientific management are passively losing money.To ensure the steady development of guarantee companies,and better financial services for SMEs,improve the risk control ability of the whole guarantee industry has become an urgent problem to be solved.This paper studies the inherent risk of the guarantee business of Yunnan RLM State-owned Financing Guarantee Company,and puts forward the risk prevention methods based on the research,in order to promote the systematic risk prevention of the guarantee business risk of Yunnan RLM State-owned Financing Guarantee Company,and puts forward some suggestions.Starting from the present situation of Yunnan RLM State-owned Financing Guarantee Company,combining with theoretical analysis and practical application,this paper expounds the internal and external risks faced by Yunnan RLM State-owned Financing Guarantee Company in its operation,and focuses on the risk prevention countermeasures.Combing and drawing on the relevant advanced risk countermeasures theory,we have improved the risk prevention measures of enterprises.Based on the experience of financing guarantee enterprises in the past few years,the author improves the risk prevention measures in the operation of guarantee business,and puts forward more scientific risk prevention countermeasures for RLM state-owned financing guarantee business,which can effectively identify and evaluate the degree of financial risk.And enterprises can take some measures to prevent risks in a timely manner,which has some reference value for establishing the security system of financing guarantee business.