| With the market economy and the deepening of global integration, enterprises need to deal with a variety of operational risks in the process of project management, project risk management has a decisive role in the development of modern enterprise. It is not only the need of enterprise profitability and safety, but also adapt to the strict international regulatory rules and the need of the economic market competition to the survival and development. How to control the project risk, continuous prosperity and development in the competition, improve the overall strength, has become all enterprises pay attention to the primary problem. Can the enterprise healthy and stable development is the key to effectively control risk, project risk as the main risk, enterprise is the key of the bank’s risk management. Along with the development of financial globalization and financial innovation in the 1970 s, the international financial industry competition intensifying, the risk faced by state-owned enterprises in China is also increasingly complex, increasing the risk of our country enterprise management level, in this case, the perfect risk prevention mechanism and the risk management ability is essential, stronger in order to adapt to the new international financial environment for the requirement of banking risk, prudent management, to build our country state-owned enterprise comprehensive risk management system becomes especially important. If still ignore market risk and operational risk, it is difficult to control the various risks facing the enterprise, is not conducive to the healthy development of market economy in our country, so the building enterprise comprehensive risk management system is imperative.Small and medium-sized enterprises is to promote the economic development of our country, expand employment core strength. Especially in the market economy, technological innovation and the accumulation of social wealth made outstanding contributions, but with the economic development of our country enter the depth adjustment, the relationship between the government, enterprises, companies also accelerate transformation, interest rate marketization in our country gradually accelerated, the elements of enterprise rely on cheap labor, cheap land driven economy to its knees, transformation and upgrading is imminent, especially small and medium-sized enterprise guarantee loan project after interest rate marketization operation there are many uncertain factors. In this paper, in the process of research to enterprise guarantee loan project as the research object, through the way of theory with practice for operational risk effectively secured loan project identification, control Suggestions are put forward based on risk, plays a positive role in promoting the rapid development of small and medium-sized enterprises.According to the characteristics of enterprise loan guarantee project risk in China and the major form of risk management, combining with our country enterprise internal and external environment study, first of all, analysis of enterprise management project related research theory, determined in this paper, the understanding of the concept of risk, and the method of selecting suitable for enterprise project risk evaluation; Then to into a jaguar car loan guarantee project management present situation analysis, respectively from the two aspects of advantages and disadvantages to express car loan guarantee project development present situation, characteristics, environment analysis, determine a jaguar car loan guarantee project risk factors; On the basis of above research building loan guarantee project risk evaluation index system, and applies the Yun Jie auto loan guarantee project risk assessment analysis, countermeasures are proposed according to the evaluation results. |
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