Study On Comprehensive Evaluation And Control Of Business Risk Of TS Guarantee Company

In recent years,China's economy is developing rapidly,Smes(small,medium and micro enterprises)are playing an increasingly important role in China's economic system.However,affected by the higher financing conditions of Banks,the development of Smes has fallen into the dilemma of financing.In the face of Smes,Smes financing difficulties,guaranteed enterprises have contributed to the loan financing from banks to Smes by increasing credit and sharing risk,but during this period a lot of guarantee companies blindly pursued benefits,While ignoring the risk management ability,which guaranteed companies originally relied on for survival.Once large compensation problems occur,it is easy to lose control and collapse,so guarantee companies should improve business risk awareness,strengthen the guarantee business risk assessment and control,to improve the ability to control risk.Firstly,this paper introduces the concepts of financing guarantee and business risk,theories related to financing guarantee and risk assessment.This paper analyzes the causes of guarantee business risks from four aspects: internal guarantee companies,insured customers,cooperative risks and environmental risks.Secondly,it introduces the general situation,business process and risk assessment of TS financing guarantee company.According to the deficiencies of the company's risk assessment,a new risk assessment model of guarantee company's business is constructed,and the risk assessment index of guarantee business is established.This paper evaluates each index of guarantee business risk by means of expert scoring,determines the weight of each index by means of AHP,and calculates the risk of comprehensive guarantee business by means of fuzzy comprehensive evaluation.Thirdly,according to the final results obtained by the fuzzy comprehensive evaluation method,starting from the risk impact indicators of guarantee business at all levels constructed,combined with the actual situation of TS financing guarantee company.and the principle of risk evaluation,the possible business risk points of TS financing guarantee company.are sorted out and analyzed in detail.Finally,based on the analysis of the factors influencing the risks of guarantee business,this paper puts forward the points that TS financing guarantee company.should pay attention to when dealing with the risks of guarantee business and effective risk prevention measures from several aspects,which can be used for reference by similar guarantee co.,LTD.