| In recent years,with the changing economic situation at home and abroad,the financial industry is facing increasing risks,making financing guarantee corporation face tremendous pressure for development.Since 2014,the national economic growth gradually slowed,increasing domestic banking loans,enterprises have difficulty in normal operation,the existence of structural overcapacity is extremely obvious.Compensation of our country financing assurance rate increases rapidly,the development of the guarantee industry faces a difficult situation,a lot of guarantee agencies due to not establish perfect risk management system in continuous bankruptcy in recent years.Faced with a dilemma,financing guarantee companies to develop practical,it should be avoid even the appearance of compensatory to effectively control risk.The current our country haven't build perfect risk compensation mechanism,and credit environment is bad,capital strength is weak,coupled with the small and medium enterprises operation and management is not standard,low risk resistance ability,make the financing guarantee companies need to face great risks.Time late,in addition,our country guarantee industry development has yet to build perfect risk control system,basically is the bank subprime loans as main business,the enterprise itself does not have high strength,financing guarantee company bear the compensatory risk brought by the breach of contract.X financing guarantee companies,for example,this paper expounds the related theory of risk management and the risk of financing guarantee,on the basis of related concepts,guarantee companies of our country development present situation as well as risk management were analyzed,and the general overview of the financing guarantee industry,development course and current situation of the development of a detailed analysis;Then X financing guarantee companies,for example,focus on the company's risk management present situation investigation,and analysis of the company's risk management,and points out its main problems of risk management,finally,the financing guarantee company X comprehensive risk management to optimize design,contact the enterprise actual situation points out that the enterprise in risk identification and risk prevention aspects can make improvements.As a typical representative of domestic financing guarantee industry guarantee company,has established more than ten years,ten years proved that with the rapid development of the company in the most significance of guarantee industry has its own effective risk management methods.But when facing the economic downturn,the business risk occurrence also reflects the insufficiency in its risk management,to fully control risk,you must set up a standard of effective risk management measures,so as to make the company not only in economic rise to effectively control risk,can under the economic glad to predict and prevent risks effectively.In this paper,based on the combination of domestic and foreign research results,combined with practical work experience,in the guarantee companies risk management problems in China were studied.And guaranteed in X company as an example,analyzes the problems existing in the guarantee company most:project survey system is not sound,the examination and approval authority is too scattered,risk control of project front-end control weakening,lack of information communication system,the company system execution,supervision and audit is not independent,not in place,macroeconomic situation judgment ability is insufficient To solve these problems,in order to guarantee company X,for example,put forward some optimize its risk management of specific measures.Hope can guarantee company in the future to provide some reference to the research on risk management. |
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