Research On Business Development Of L Financing Guarantee Companies

The company was established in 2000 as a state-owned commercial guarantee company under the Nanning high-tech zone.In 2011,the official business of financing guarantee.In recent years,the company has faced multiple difficulties in its business development:its operating profits have been declining for years,and its operating risks are increasing year by year.However,this is not a case,but a common difficulty facing the entire financing guarantee industry.Financing guarantee has become a new and important industry in the local financial system.The guarantee agency lacks a multi-channel source of income,in which the guarantee fee income is the main source of income for the main business of the guarantee agency,and the company's guarantee rate is only 2%/year.The extremely low returns barely cover the cost,let alone the risk.Limited profit margin makes it difficult for financing guarantee institutions to promote financing,asset preservation and value added,and risk management control.Seeking balanced and stable developmentThe article analyzes the characteristics of the state-owned guarantee company in Nanning high-tech zone,and summarizes the general situation of the company's operation.The company's business environment and business structure are studied and analyzed.In this paper,the author makes a detailed analysis of the factors of the external and internal environment of the company's business by using the analysis method.To reveal the advantages,disadvantages,opportunities and threats of business development,and to refine four practical business optimization measures,And uses the scientific analysis method to choose the improvement direction and the safeguard measure in the different improvement train of thought.The article mainly concluded that the operating environment and competitive environment of the 1 financing guarantee company should follow the path of specialization,according to the current operational optimization measures.It is the most suitable way to pursue science and technology specialization.A new technology small loan company will be set up to serve the newly established science and technology enterprises.Adhere to the idea of inclusive finance and increase risk tolerance,To spread the risk by limiting the maximum amount of a single loan and the total liability of enterprises,and reducing the credit threshold to increase the number of customers.A new technology venture company will be set up to serve the growth of science and technology enterprises.To explore investment clients in the course of the guarantee business.The guarantee company gives priority to providing business guarantee for other technology-based.enterprises that venture capital.If the venture succeeds,The secured company may exercise the "equity transfer guarantee";If the venture company fails,the venture capital institution will have to bear a certain proportion of the losses.To realize the long-term development of the guarantee industry,the most important guarantee is the policy,the core of which is to change the traditional way of assessing state-owned enterprises,and the key is to look at the magnification of the capital and the target of investment and drive it.”Output value,profits tax and employment".Secondly,we should promote the application of information technology.Through the system specification process,Reducing moral hazard;It is necessary to collect information and process data through the application of information technology,reduce transaction costs and operating costs,and improve service efficiency.