Secured Financing Risk Pricing Model Of A Guarantee Agency

This article is an empirical research paper for financing the risk of secured products. In this paper, the purpose is through research to improve secured product pricing mechanism of A Guarantee Agency and promotes the pricing risk capability to other national SME credit guarantee institutions and constructs the credit risk management system, in order to increase quantifying the risk of different level.Basis on the theory of credit risk management, risk-based pricing theory, the article collates and analyzes the application of credit risk management system and the system of quantitative credit risk ; The article introduces the core elements of the risk pricing - the internal funds transfer pricing and around internal funds transfer pricing, and the article raise the risk pricing model and more money pool mode of risk pricing model; the article contrasts the actual price to the risk pricing , argues the effectiveness of the way and introduces the amendment of pricing model.The article has reached the final of carrying out risk pricing systematic research and the purpose of the amendment; Theory with practice through analysis and research on guarantee business for A Guarantee Agency enhances the role of increasing income; A Guarantee Agency as one of the universal SME institutions provides the user-friendly pricing ideas and learn to calculate the price of the security risk...