Research On Risk Management Of Guarantee Business Of Hanhua Financial Group

As the small and medium-sized enterprises occupy an increasingly important position in the national economy,the problem of financing difficulties facing them has become more prominent.Lack of funds has become the main reason why most small and medium-sized enterprises cannot sustain themselves.Therefore,solving the problem of financing difficulties has become a major task to boost the development of small and medium-sized enterprises.Guarantee business is one of the effective ways to solve the financing difficulties of them.However,due to the short development time of guarantee business in China and the low degree of information transparency,guarantee institutions often face huge risks when developing guarantee businesses.Therefore,improving the risk management of guarantee business is an important guarantee to optimize environment and reduce the industry risks.Based on the theory of Enterprise risk management and information asymmetry,this paper takes the guarantee business of Hanhua financial holding group as the main research object.First of all,it analyzes the current situation of Hanhua guarantee business and its risk management,and finds that there are some problems in its risk management,such as imperfect risk dispersion mechanism,imperfect internal management mechanism,incomplete risk identification and objective risk assessment.Secondly,in order to improve the comprehensiveness of risk management of Hanhua guarantee business and reduce the risk of guarantee business,according to the questions raised above,the risk management mode of the enterprise is optimized by using the method of combination of qualitative analysis and quantitative analysis,including innovation of risk dispersion mechanism,improvement of supervision and audit process,comprehensive optimization of risk identification and improvement of risk assessment by using fuzzy comprehensive evaluation.Finally,in order to ensure the effectiveness of the optimization scheme,a series of measures are proposed from within the group,such as improving human resource management,improving risk compensation measures,strengthening information and communication,strengthening self-inspection and correction of departments,and the expected effect of the scheme is analyzed.The research of this paper is of great significance to help Hanhua change the current situation of risk management of guarantee business and maintain the sustainable and steady development of the enterprise.The optimized risk management scheme can help the enterprise manage the risk of guarantee business more effectively and improve the overall management level of the enterprise.