A Study On The Optimization Of Risk Assessment System Of G Company’s Policy-based Agricultural Credit Guarantee Business

This thesis mainly studies the optimization of the business risk assessment system of the policy related guarantee companies.Based on the information asymmetry theory,financial risk management theory,financial intermediary theory and other theoretical basis,using the methods of literature analysis and mathematical statistics,this thesis studies the current situation,problems and shortcomings of G company in the risk assessment system of policy agricultural credit guarantee business from three aspects of risk assessment indicators,risk assessment methods and risk assessment subjects,and then puts forward some suggestions Through the study of this thesis,we found that the main problems of G company in the policy agricultural credit guarantee business risk assessment system include: incomplete identification of business risk factors,unreasonable business risk assessment methods,and single risk assessment subject.The reasons for these problems are that the company’s leadership attaches too much importance to the speed of business development,the lack of local risk insurance prevention and control talent team,and the lack of systematic risk insurance management mechanism.To solve the problems of G company in the business risk assessment system,this thesis puts forward the following suggestions :(1)35 specific indicators are selected from three aspects: the main body of the guaranteed agriculture,the internal management of the G company,the external policy and the industry environment to construct a perfect business risk index system.The risk assessment model is constructed by AHP,and the model is verified,and the advantages of this model are obtained.(2)Offer to invite third-party independent guarantee companies to participate in the risk assessment and implement the online live guarantee risk assessment process.(3)The concrete safeguard mechanism from three levels:ideology,talent team and wind control mechanism.Entropy weight method is used to measure the comprehensive performance value of risk prevention and control in the three months of 2020.9.1-2020.11.30 G from six indexes: compensation amount,compensation rate,business growth rate,number of professional wind control,number of employees in the company as a whole,and total guarantee amount.