Research On Optimization Of Risk Management System Of XQ Financing Guarantee Company

Financing guarantee industry is very important to the development of small and medium-sized enterprises,especially in the face of the global economy has been affected by the epidemic situation,the capital chain of China’s small and medium-sized enterprises has been strongly impacted.However,the characteristics of the development of small and medium-sized enterprises determine that the guarantee business of financing guarantee companies will have high-risk,which poses severe challenges to the whole financing guarantee industry.In order to ensure the healthy development of the financing guarantee industry,the supervision of the financing guarantee company will be gradually transformed from the "extensive" mode in the past to a new stage of "fine" supervision.This regulation also promotes the optimization and innovation of risk control management system within each financing guarantee company.This paper takes the risk optimization of "XQ Financing Guarantee Company" as a research case,on the basis of sorting out the domestic and foreign literature on risk management of guarantee company,and combining with some economic policies adopted in recent years in our country,this paper studies the internal control,market,industry and policy risks faced by XQ financing and Guarantee Company.The research of this paper thinks that XQ financing guarantee company has various problems in each link of guarantee industry,and the lack of staff quality management is the key to the business risk management of XQ guarantee company.In this paper,the risk management system of XQ Financing Guarantee Company is optimized,and the supporting measures are sorted out to strengthen the risk control ability of XQ financing guarantee company.At the same time,the results of this paper will provide reference for other companies in the financing guarantee company industry to optimize the risk management.The innovation of this paper has two aspects:from the perspective of research,this paper uses the method of combining theoretical research and case study to analyze the different stages of guarantee business,such as before,during and after the development of guarantee business,points out the possible risks in the process of carrying out risk business,and analyzes the causes of these risks;from the research object,this paper takes XQ guarantee company as the main research object,This paper analyzes the risks existing in the process of the company’s guarantee business,combines the qualitative analysis with the quantitative analysis,and puts forward the need to further improve the enterprise credit rating system,so as to control the source of the risk.