Research On Credit Risk Assessment And Control Of Liaoning H Guarantee Company

The market economy of our country is dominated by the economy of state ownership,and the large and medium-sized state-owned enterprises play the role of"locomotive" in the economic development.However,the role of small and medium-sized enterprises in the development of market economy is also very important.Small and medium-sized enterprises involve in a large number of industries and the number and volume are extremely large.They solve a large number of residents’employment problems,both contributing tax revenue for the government and maintaining the vitality of China’s market economy.However,there are many problems restricting the development of enterprises,among which,the lack of financial support is the most prominent.Financing guarantee business can effectively solve the financing problems of small and medium-sized enterprises outside the access scope of direct bank credit or with incremental credit demand.China’s market develops rapidly and emerging industries emerge endlessly,which is a huge test to the risk assessment and risk control ability of the whole guarantee industry.In recent years,the continuous economic downward pressure makes the guarantee industry constantly encounter credit risks,and its anti-risk ability is greatly reduced,even affects the ability to continue operating.In this background,guarantee companies are bound to improve their own risk assessment system construction and risk control measures to enhance their own risk resistance ability,in order to cope with the diversity of the market.In order to improve the deficiency of Liaoning H Guarantee Company in credit risk assessment and control,this paper will take Liaoning H Guarantee Company as the research object to systematically and deeply study the company’s credit risk assessment system and risk control measures.Article describes the Liaoning H guarantee company in detail.In view of the existing problems,the credit risk evaluation index system is improved and constructed,and the credit risk of guaranteed enterprises is evaluated and calculated by AHP and FCE to prove the effectiveness of the improved credit risk assessment system.Suggestions are put forward to improve the existing credit risk control measures of Liaoning H Guarantee Company,so as to effectively deal with the credit risk of guaranteed enterprises and provide reference for the business development and credit risk assessment of guarantee companies.