Case Study On Risk Management Of Commercial Financing Guarantee Companies

SinceSince the reform and opening up,China's economy has developed rapidly,and small and medium-sized enterprises have gradually become an important force in the development of the national economy,and the difficulty of financing has always restricted the development of small and medium-sized enterprises,and the poor credit rating,insufficient mortgage assets and poor ability to operate and resist risks have made it unable to obtain sufficient emergency funds from financial institutions,and the financing guarantee company has played an active role in alleviating the difficulty of financing for small and medium-sized enterprises.The financing guarantee company lives between the supply side of the capital and the demand side,helps the small and medium-sized enterprises to carry on the credit guarantee,also has shared the bank risk to some extent to make the bank assets obtain the certain guarantee.Most commercial guarantee companies are private enterprises Where an industry or an individual invests,it shall provide a guaranteed product to the market for profit purposes.Nowadays,commercial guarantee companies are basically in the situation of high risk and low income,facing problems such as low magnification of guarantee,lack of risk sharing mechanism and insufficient capital replenishment in follow-up.In recent years,the commercial financing guarantee industry of our country develops rapidly,at the same time,the risk management presents the obvious short board,many risk out of control causes the compensatory case to occur unceasingly,if can not prevent,avoid and transfer the risk through the effective risk management system and the perfect internal control and so on measure,not only the guarantee industry can not develop healthily and steadily,the entire finance The system is also bound to be seriously affected.This paper includes six parts.The first part is the introduction.This chapter introduces the research background of this case,puts forward the research significance of this paper,summarizes the domestic and foreign research related to the risk management of commercial financing guarantee,gives the literature review and puts forward the research space of this paper,introduces the research methods,contents and innovations of this paper.The second part is conceptual definition and theoretical basis.It mainly expounds the meaning of commercial financing guarantee,guarantee risk and risk management,and expounds the financing guarantee theory and risk management theory,as well as the internal and external risks faced by commercial guarantee.From the commercial financing guarantee overview and JF financing guarantee company overview twoangles Firstly,the characteristics,functions and social functions of the commercial financing guarantee company,as well as the development stage and present situation of the commercial financing guarantee industry are clarified,and then the situation of the JF financing guarantee company is displayed from four aspects: the basic information,the organizational structure,the financial situation and the operation process of the case company respectively.Four selected three typical cases of JF commercial financing guarantee company,based on the guarantee business process to show each case,and separately analyze the risks in the guarantee project,and summarize the causes of the risks.The fifth part is based on the previous chapter of the case analysis of the existing risks for commercial financing guarantee companies risk management Rational problems put forward effective risk management countermeasures.The sixth part is the conclusion and insufficient research.