Research On Optimization Of Risk Management Of S Financing Guarantee Company

Financing guarantee institutions have played an important role in solving the problem of financing difficulty and expensive financing for Small and medium enterprises,but the repayment rate of financing guarantee institutions and the default rate of Small and medium enterprises have become higher and higher in the past three years.Such a situation imposes strict requirements on the risk management of the financing guarantee institution.The financing security institution must make scientific and effective identification of the risk factors that may occur to the security object.Analyze the risk factors at the same time.After determining the main risk factors and the reasons for their occurrence,we can formulate a sound risk avoidance strategy and resolve the risks in a timely and efficient manner.This paper studies the literature results of domestic and foreign scholars.Based on the relevant theoretical basis of risk management,Taking S financing guarantee company as the main research object,the paper comprehensively analyzes and summarizes the development history,business status and main business of S financing guarantee company.Through the questionnaire survey method,the current risk management model of S financing guarantee company was studied.It was found that S financing guarantee company had problems such as unreasonable business process,unprofessional staff ability,unscientific risk assessment method and lack of monitoring department when conducting risk management activities.The causes of this series of problems were analyzed.According to the above four real problems,we will find a reasonable risk management optimization plan,optimize the business process through three business nodes from acceptance,approval and post-war management,and establish a scientific management structure and business process;employees’ career ascending channels,reasonable performance appraisal and other means to attract talents and retain talents,establish a talent introduction and retention mechanism;through the combination of qualitative assessment and quantitative assessment,the evaluation criteria will be standardized,and the risk assessment system will be optimized;The audit department improved the internal control environment of the company.At the same time,the corresponding supporting measures were designed to improve the risk management capability,accelerate the sustainable development of S financing guarantee companies,and provide a reasonable reference for the development of the same type of guarantee enterprises in the industry.