| With rural revitalization seen as an important national development strategy,new modern rural economic models have emerged,including rural cultural and tourism industries,local specialty product production and sales industries,and non-material cultural heritage handicraft industries.The development of emerging agriculture inevitably requires the support of funds,and the agricultural household loan guarantee business studied in this paper is an important financial means to support rural economic development.However,the agricultural household loan guarantee business of Henan NK Investment Guarantee Co.,Ltd.has encountered many problems during its implementation,and part of the business has presented the risk of default.The purpose of this study is to attempt to build a risk warning system that can timely grasp project crises and provide risk control strategies for the company based on the warning evaluation results,thereby reducing the default losses of NK guarantee company.This study mainly adopts research methods such as analytic hierarchy process,case study,and literature research,and takes Henan NK Investment Guarantee Co.,Ltd.as the research object.Firstly,the research background,significance,research objectives,and innovation points of the risk warning of the agricultural household loan guarantee business of Henan NK Investment Guarantee Co.,Ltd.are expounded.Secondly,the theoretical basis related to risk warning and control is introduced to provide theoretical support for subsequent analysis.Thirdly,the risk management and risk warning status of the agricultural household loan guarantee business of Henan NK Investment Guarantee Co.,Ltd.are analyzed.At present,NK Guarantee Co.,Ltd.has no corresponding risk warning system,and the corresponding institutional construction is also lacking.Risk control work is not targeted and relatively backward.In the fourth part,based on the summary of the main problems and causes faced by the risk warning and management of the agricultural household loan guarantee business of Henan NK Investment Guarantee Co.,Ltd.,a series of indicators such as macroeconomic prosperity index,specific support models,specific fund support,degree of regulatory norms on the company’s guarantee business,governance layer participation in guarantee business,risk assessment activity frequency,risk assessment activity timeliness,existence of risk warning mechanism,internal control situation,and financial qualifications of the borrowing operating subjects are selected to construct the risk warning and evaluation system of Henan NK Investment Guarantee Co.,Ltd.,and the analytic hierarchy process is used to evaluate the risk warning status of Henan NK Investment Guarantee Co.,Ltd.and find that the company’s enterprise risk warning is facing significant risks.Finally,based on the risk warning and management status of the company,improvement suggestions are provided for Henan NK Investment Guarantee Co.,Ltd.in terms of both external environmental guarantee risk control strategies and internal guarantee risk control strategies.We hope that through the research in this paper,the problems in risk warning and control of NK Investment Guarantee Co.,Ltd.can be properly addressed,and we also hope that this study can provide reference solutions for companies with similar nature as NK,and pour a solid foundation for the development of guarantee business by effectively improving the company’s risk warning and control theory. |
PDF Full Text Request