| The problems of "agriculture,rural areas and farmers" have always been the focus of attention from all sectors of society.Due to the unique risks of agricultural production,the lack of effective collateral,public information and credit evaluation and other factors,financial institutions are afraid and unwilling to issue loans,and the shortage of funds has become a major obstacle to agricultural development.The 1,2016 file points out to use three years to establish and perfect the national agricultural credit guarantee system,direct to promote financial capital into agriculture.It is not only an important means to solve the problem of "difficult financing" and "expensive financing" in agriculture,but also an important measure to innovate the financial support mechanism for agriculture under the new normal.It is conducive to promoting the development of modern agriculture and has positive significance for the policy practice of stabilizing growth,promoting reform,adjusting structure and benefiting the people.Domestic research on policy-based guarantee of agricultural loans is mainly at the theoretical stage,lacking of experience summary of specific practice of enterprises.The credit guarantee theory points out that the risk of guarantee business mainly comes from the internal operation risk of the company,the adverse selection and the moral risk of the main body of the loan,and the government's policy risk,among which the risk from the other two aspects can be weakened by the effective control of the internal operation risk of the company.Risk management theory puts forward a set of risk management processes for effectively controlling the internal operational risks of a company,which are risk identification,risk assessment and measurement,risk decision-making,risk prevention and control.In this paper,company H is taken as the diagnostic subject.Through the author's own internship experience and a large number of interviews and data collection,it is determined that the actual risk management process is the main diagnostic aspect of this paper.This paper is divided into six parts.The first three parts mainly introduce the research background and significance,relevant theoretical basis and literature review,research methods and scheme design.The fourth part describes and evaluates the industrial background,internalorganizational structure,business promotion,business process operation and the overall business risk status quo of company H,and then diagnoses the current situation and problems of the company in the business risk management process.The diagnosis results showed that in the risk identification stage,the company was deficient in fully understanding customer information and accurately judging the authenticity of information.In the risk assessment and measurement stage,there is no in-depth analysis and measurement of the special risks of the agricultural industry in the existing assessment methods,making the assessment conclusion not comprehensive and objective;In the risk decision-making stage,the chairman's decision-making system is inefficient and not conducive to improving the risk awareness of all staff.In the stage of risk prevention and control,the post-insurance inspection procedure is missing,and the risk control means are single and lack of market means.Then in the fifth part of the article,respectively from risk identification,risk assessment and measurement,risk decision-making,risk prevention and control four aspects to perfect the company H risk management process: The first is risk identification stage,It is suggested to increase the rate of actual survey and the use of questionnaire method and brainstorming method,striving to achieve complete due diligence,risk from the starting point to grasp.The second is the risk assessment and measurement stage.It is suggested to use the two-factor analysis method to increase the assessment and measurement of natural disasters and policy risks,so as to make the assessment more accurate.The third is risk decision-making stage,the hierarchical approval system should be adopted to enhance the decision-making efficiency,and the Delphi method should be applied to make the conclusion more objective.The fourth is risk prevention and control stage,the establishment of the implementation of the post-insurance inspection system,innovative risk control mode,reduce the company's losses.In addition,it also puts forward several safeguard measures,such as organizational structure adjustment,company personnel structure optimization,establishment of reward and punishment mechanism and guidance for farmers to improve credit,so as to enable the company to complete each link of risk management process more effectively.The sixth part summarizes the article and expresses the prospect of the future.The role of policy-based guarantee is by no means to ignore the risk of guarantee,but to better guide the agricultural operation subject to carry out production practice through guarantee activities.In general,the risk managementof guarantee business carried out by guarantee companies is to reduce compensation risk by selecting business,while the risk management of guarantee business carried out by policy-based agricultural credit guarantee companies is to reduce compensation risk by guiding agricultural operation subjects to avoid risks.Risk management is the core competitiveness of company H,and it is also a way to promote it to better play the role of policy guarantee.Through the establishment of risk identification,risk assessment and measurement,risk decision-making,risk control and prevention of the unified risk management process,can improve the risk management level of the guarantee business of company H,but also in the actual operation to strengthen the guidance and Suggestions for the actual business activities of agricultural operators,enhance the operation and management ability of agricultural operators,also avoid compensation risk.It is hoped that this study can provide reference for similar companies in the risk management of agricultural credit guarantee business. |
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