Strategy On Risk Management Of HA Guarantee Company

Guarantee companies,as the financing intermediate links and institution of small and medium-sized companies,play a strong regulatory role in opening up financing channels for enterprises,alleviating financial difficulties,regulating bank lending risks and maintaining the financing and lending relationship between banks and enterprises.However,in the actual process of development,it can be found that the supported and guaranteed small and mediumsized companies are likely to pass the risk to guarantee companies due to some unstable factors.Therefore,how to effectively reduce,avoid and control the risk is an important task for Chinese guarantee institutions.This study takes HA Guarantee Company as the research object.Based on the systematic review and analysis of the risk management system of the company,the study focuses on problems such as the imperfect risk internal control system,late recourse to risk projects,the flawed contract making and signing,etc.through literature review and field investigation.The application of risk management theory in the study of the aforementioned problems manages the exploration of the internal and external causes of the problems lying in the process of risk management,such as imbalance between the internal control management,employee business ability is uneven,risk response of weakening,relationship with the bank to be limited,etc.After finding the core problems in the risk management of HA Guarantee company,this study first uses the theory of risk management,credit rating model,etc.,to strengthen the sense of company’s risk management department responsibility and to improve the construction of the company’s internal risk control system;Then combining with the construction of internal risk control system,the company should perfect the risk management rules and regulations,improve employees’ ability and awareness of risk management,counter guarantee measures of strengthening the guarantee project;Finally,the company should build suitable risk early warning system on the basis of the risk early warning model in order to improve the effect of risk project recourse.This paper manages to propose four improvement schemes,carry out qualitative and quantitative risk identification and rating of the company’s guarantee projects,and strengthen the risk response of guarantee projects.In addition,taking the improvement plan as the starting point,this study also proposes to supplement the HA Guarantee Company’s risk protection measures from interior and exterior point of view combined with the risk management theory and the company’s actual business development process.In the new crown pneumonia outbreak of a pandemic and the superposition of unstable factors influence at home and abroad,the boom of economy continued downward,credit risk is still in the market gradually exposed,HA guarantee with state-backed companies face from industry inside and outside the test of all kinds of risks.State assets guarantee company as a mainstay industry,its healthy development plays an important role to stabilize the whole industry.Hope that through this article research,to HA guarantee companies achieve the goal of effective control of risk.