| Guarantee companies are intermediaries that provide credit enhancement services for small and medium-sized enterprises,and play an indispensable role in solving the financing difficulties of small and medium-sized enterprises.Since its birth in 1993,my country’s guarantee industry has gone through the initial stage of exploration,the stage of explosive growth,and the stage of regulation and rectification,and now it has entered a stage of stable development.At this stage,my country’s guarantee industry has formed a financing guarantee system that is dominated by policy guarantee companies and supplemented by commercial guarantee companies.Policy guarantee companies do not aim to make profits,but mainly use government policies to support the development of small,medium and micro enterprises.The purpose of commercial guarantee companies is to make profits,mainly to maximize the interests of shareholders.In recent years,with the increasing downward pressure on the economy and the impact of policy-based guarantee companies,commercial guarantee companies generally face problems such as intensified market competition,declining customer quality,frequent compensatory risks,and continuous decline in operating profits.How to increase market share,effectively control risks and continuously improve operating profit in the fierce market competition has become a difficult problem for commercial guarantee companies.Liuzhou LD Guarantee Company is a commercialized state-owned guarantee company in Liuzhou City,Guangxi .It not only shoulders the important task of supporting the development of small,medium and micro enterprises,but also fulfills the tasks and goals issued by shareholders every year,and pursues the improvement of operating profits.How to balance the relationship between supporting the development of small and medium-sized enterprises and realizing their own profits,and how to achieve stable operation and sustainable development on the basis of controlling risks,has become a major problem to be solved urgently for Liuzhou LD guarantee companies.This paper takes Liuzhou LD guarantee company as the research object,uses related theories of corporate strategic management,and uses PEST analysis method,Porter’s "Five Forces Model",EFE matrix,IFE matrix,SWOT matrix and QSPM matrix and other analytical tools to deeply study the internal structure of LD guarantee companies.Based on the external environment,the opportunities and threats faced by its development were sorted out,and the advantages and disadvantages were summarized,so as to draw the conclusion that the LD guarantee company should choose a diversified development strategy.Finally,the thesis proposes to improve the company’s capital strength,strengthen the construction of human resources,Improve the risk management system and strengthen the construction of informatization to take measures to ensure the effective implementation of the diversified development strategy. |
