Luoyang Xin Melts Base Investment Guarantee Co. LTD Risk Control Management Research

Investment guarantee industry produced in the early 1990s, arose in the middle of 90's, global economic crisis in the round to temporary grow. For small and medium-sized enterprise loan demand increases, bank lending and because of the economic crisis affect is very strict, objectively promoted guarantee business strengthened; The government is also in order to solve the difficulty in financing smes and intensify the security industry policy support and funding the support strength. In this case all kinds of investment guarantee business firm, played a very positive role, but as an emerging industry, a high-risk industry, because various causes now XianRuZhe difficult, "after the disorderly, the present situation of entrants loss",Essentially normal operation of less than 50% of the total aim, investigate its reason, main is these companies mount hasty, industry development too fast, causing talents, management, risk control does not reach the designated position, but caused all the problems were eventually performance for risk control this direct cause.Luoyang xin melts base investment guarantee Co., LTD (hereinafter referred to as "xin melts base), founded in 2006, the loan business for small and medium-sized enterprises provide guarantee service as main business. YuXinRong for the yankees to provide service, business is is risk, the banking sector is also exclude that greatest risk, get the business, such loan guarantees bank loan risk the risk is surely more than once guarantee agencies to bankruptcy, will cause a series of domino effect, in the coastal areas of guangdong already happened to similar cases, for a guarantee agencies for guarantee business risk control problems caused by dozens of compensatory behavior appears the collective bankruptcy. Home small businesses While such social credit crisis triggered is also very serious, a significant blow to the industry. Therefore, so must strengthen xin melts and risk control ability, set up effective to prevent and dissolve and avoid guarantee risk mechanism.Taking the luoyang xin melts base investment guarantee Co., LTD risk control as the research object, and for the company as a whole in the investigation and practice based on model analysis. Finding out the various existing main specific risks, the evaluation on and then the countermeasures and safeguard measures, this article studies the yankees investment guarantee to blend the effective control of the risk, to build their own credit system has certain theory value and practical significance.