Research On The Construction Of Project Guarantee Business Evaluation System Of Changchun Financing Guarantee Company

In guarantee practice,the guarantee business of financing guarantee company is mainly divided into financing guarantee business and non-financing guarantee business,Compared with financing guarantee business,non-financing guarantee business is favored by more and more financing guarantee companies because of its relatively small risk.In most cases,the credit review of the non-financing business of the guarantee company can only mechanically copy the relevant procedures and systems of the financing guarantee.In practice,the situation of credit deficiency is serious.With the domestic macro-economic downturn,the risk of the guarantee company relatively concentrated,the entire industry and even the entire credit market has had a very serious impact.In terms of the principle of non-financial guarantee business,the guarantee fee charged by the guarantee company is essentially a fee for providing non-financial services,not a project risk compensation fee,this is also the main difference between the insurance industry and the guarantee industry:The insurance industry follows the principle of "probability" and the guarantee industry follows the principle of "zero risk"."The zero-risk principle is more important for the sustainable operation of the guarantee company.It can control the risk to a certain extent and reduce the compensation rate and the loss rate of the guarantee company.Non-financing guarantee business is a typical high-risk business,but its income level is low.Therefore,while effectively controlling the project risk,how to improve the sustainability and profitability of enterprises,enterprises and practitioners are facing a major problem.Once the credit assessment error,may lead to financial market risk.However,when the guaranty company carries out its business,it adopts the credit method of hypothecation,which greatly exceeds the value of the pledged assets.This makes China’s market-oriented guarantee companies on the non-financing guarantee business risk screening and prevention put forward more stringent requirements.At present,the development of our country’s guarantee industry is affected by the market maturity to a great extent,and the guarantee industry is still in the primary stage of development.In this context,this paper tries to analyze the current situation and facts of the development of the non-financing business of Zhongtai Guarantee Company in Changchun city,starting with the case analysis of the non-financing business of Guarantee Company,according to the current situation and facts of the development of the non-financing business of guarantee company in China,expounds the operating characteristics of guarantee company,reveals the problems existing in the development of the non-financing business of guarantee company,and combines with the actual cases.According to the existing problems,this paper analyzes the potential risks brought by these problems,formulates the credit evaluation system,and advances some in-depth thoughts and suggestions on the credit evaluation system of guarantee company.This paper first expounds the background and historical evolution of the non-financing guarantee industry in China,and through the comparison of the guarantee industry in different regions and regions,reveals the mission of the guarantee industry in its embryonic stage,as well as the phenomena and situations it shows.Then,this article takes Changchun Zhongtai Guarantee Company as the research object,through the project development situation and each kind of risk project case in recent years,carries on the analysis to the market operation environment,analyzes the risk which the guarantee company faces in the national market economic environment,finds out the reason which the guarantee company project risk produces,summarizes the company project risk’s origin,and has carried on the analysis to it.Finally,according to the situation of the case guarantee company and the risk factors summarized,the credit evaluation system of the case guarantee company is constructed,in order to avoid the risk centralized outbreak in the future business process,and to provide suggestions for the long-term healthy development of the non-financial guarantee business in our country.