Study On Risk Management And Control Of Guarantee Circle Of Commercial Banks

Under the continuous influence of complex factors at home and abroad,China's economic growth continues to slow down,and the overall economy shows a downward trend.As the core of modern economy,the risk of Guarantee Circle in the financial field appears to break out and spread in different degrees,which restricts the development of economic society.Therefore,it is very important and urgent to analyze and study the causes of the risks in the credit guarantee circle of commercial banks and how to effectively control the risks.It is also of great practical significance for the commercial banks that are deeply troubled by the risks in the guarantee circle.This paper focuses on the risk management and control analysis of the guarantee circle of Linyi Branch of Bank H,and takes the literature research method and case study method as the main research methods.Through the research and induction of the relevant literature and information about the guarantee financing and the risk of the guarantee circle at home and abroad,it defines the core concept of the guarantee circle,lists the main types of the guarantee circle according to the forms of expression and the scale of enterprises,and through the asymmetric information Theory,credit rationing theory,correlation theory and externality theory are analyzed to lay a theoretical foundation for the implementation of risk management and control of commercial banks' Guarantee Circle.On the basis of elaborating the basic situation of Linyi Branch of Bank H and the situation of stock Guarantee Circle,combined with the analysis of typical cases of stock Guarantee Circle,this paper expounds and summarizes the current risk identification and control measures,related risk control effectiveness and existing problems of Linyi Branch of bank H.At the same time,it concludes that the main causes of the risk of the guarantee circle of commercial banks are not only the internal causes of the lack of risk management and control of commercial banks,but also the external causes of the weak risk awareness of enterprises themselves and the impact of government policies.Aiming at the related problems of risk management and control in the current guarantee circle of H bank Linyi branch,and combining with the main causes of the risk of the guarantee circle,this paper puts forward the strategic recommendations for the risk management and control of the commercial bank guarantee circle,and suggests that the examination and management of the credit business process should be strengthened from the perspective of the internal risk management and control of the commercial bank,mainly from three aspects,namely,the pre loan investigation,the loan review and the post loan management.It is suggested to strengthen the classified management of commercial banks' stock Guarantee Circle,gradually establish the classified management mechanism of enterprises in the guarantee circle,and at the same time strengthen the classified management of guarantee circle at different risk levels;it is suggested to practically improve the risk management and control level of their own Guarantee Circle,mainly to establish the internal risk rating supervision organization,and further improve the risk assessment and incentive mechanism of Guarantee Circle and the credit practitioners' style The ability of insurance management and control should actively promote the application of big data analysis in the guarantee circle.From the perspective of the cooperation between enterprises and government to improve the effectiveness of risk management and control in the guarantee circle,it is suggested that enterprises should improve their awareness of risk prevention in the guarantee circle,and the government should coordinate and improve the risk management and control system in the Guarantee Circle as soon as possible.Through this series of strategic suggestions,we hope to provide reference for commercial banks to effectively improve the risk management and control level of the guarantee circle,and provide ideas for local governments and financial regulators to prevent systemic risks in the region and improve the regional financial environment.Chinese style...