Research On Optimization Of Business Risk Management System Of SXZX Guarantee Company

With the accelerating pace of reform and opening up in China and the deepening of internationalization,the development of SMEs in China has become faster and faster,and the contribution to the national economy has also increased significantly.Now it has become one of the important driving forces for China's economic growth.However,the problem of financing difficulties and financing has always been a key issue restricting the development of small and medium-sized enterprises.The State Council's government work report has repeatedly mentioned the need to support the development of small and medium-sized enterprises,especially since the 19 th National Congress,a series of policy initiatives have been introduced to reduce taxes and fees.Burden,strengthen financial support,and deepen the promotion of the service,the development environment of SMEs is continuously optimized.At the same time,as a financial institution that effectively solves the financing difficulties of SMEs,supports the development of SMEs,and promotes the construction of SMEs' service systems,Financing Guarantee Companies have received many policy encouragements and also obtained rare development opportunities.However,whether it is from the development characteristics of SMEs or the high risk of the guarantee business itself,it poses a severe challenge to the operation and management of the financing guarantee company.It has no strong financial strength and is not able to compete with commercial banks.Compared with the risk management mechanism,it is impossible to scientifically and accurately judge the customer's solvency and risk tolerance,which makes the business carry a high risk.In order to ensure the stable development and sustainable operation of the financing guarantee company,enhance the awareness and ability to resolve,control,identify and manage risks,and effectively prevent and effectively control the risks in the process of business development,it is necessary to face and solve Things are critical to their survival and development.This article takes "SXZX Financing Guarantee Co.,Ltd." as the main research object(hereinafter referred to as "SXZX Guarantee Company"),collects and organizes the data related to the risk management of the guarantee company,based on the relevant theoretical basis of risk management theory,and combines the domestic and foreign scholars.The results of the research literature,through the description of the development history,business model,main business development and business risk management status of SXZX guarantee company,analyzed the internal control,market,industry and policy risks faced by SXZX guarantee company.The SXZX guarantee company has different problems in the process before,during and after the guarantee business,and lack of necessary staff quality control.This has caused certain defects in the business risk management system of SXZX guarantee company and analyzed the causes of the problems.On this basis,based on the existing problems,the SXZX guarantee company's business risk management system is proposed to optimize the program,and the corresponding supporting measures are proposed to enhance the risk handling capability of the SXZX guarantee company.At the same time,the SXZX guarantee company is located in Shaanxi.Other guarantees of the province Division provide a reference for the business risk management.