Research On Improving Internal Management Control System Of Business Risk In Security Enterprise

In the credit guarantee activities, as a result of the insured business has been from the security agencies to ensure that they make the business decision-making and their own behavior, even if caused by the loss, there is no need to fully take responsibility, and this is more likely to make the risk of its more major decision-making in order to obtain greater returns. At the same time, in order to obtain more loans and credit guarantee support for enterprises will be insured through the provision of false information or concealing the real situation, such as an important means of obtaining credit and guarantees, or guarantees made after the loan contract to change the terms of the contract and secured loans the use of direction in order to increase the risk of loans. With the credit guarantee to support the industry policy, trade regime continued to be refined, the security agencies in the system for risk control and system construction mature. However, since the outbreak of the 2008 financial year, security companies have experienced tremendous market risk test, many guarantee agencies in the credit risk in a crisis breaking out, the whole enterprise the brink of bankruptcy, in particular, is the largest private security groups - Shenzhen Credit Group of the outbreak of the "Branch-chi events in" can not but arouse our attention and to guarantee control of enterprise credit risk of further reflection. Over the years, the security industry with the gradual development of security research articles, the volume of literature has reached a certain height, but the whole, the control of risk in almost all of the sound system from the industry, the construction of the system itself to study. At present, security in the financial crisis broke out of the question to reveal the actual situation shows that the internal security enterprise management system is not perfect, there is a great risk-control loophole. The operation of the project is secured by the "person" to carry out, the same security risks of the project by the "person" to carry out control, we can start with the "people" look at the security agencies in terms of facing the risk? The risk of a security business is mainly controlled by the people, so from the "human" look at the security point of view of the risks faced by institutions, security agencies can be sources of risk are divided into two aspects: 1 Guarantee Agency operator of the project risks ability to identify risks; 2 project operator security agencies operating risks and moral hazard. So how "human" point of view to think about the risk of security agencies to control the problem, we explored a new direction. On the one hand, the professional quality of the risk caused by the lower; Secondly, errors involved in the operation of risk and moral hazard. How to "person" as the core of the control light "system, people, quality of work and risk control" and its mechanisms of internal relations, to conduct a comprehensive and systematic analysis, and perfect the relevant systems and / or related to the establishment of a new system, Construction of the new enterprise risk and control system security, and this is the direction of the research in this article, and key.To prevent and control risks in a certain range, is the guarantees the first condition for business survival, the project participants to identify the risks and operational risk, the risk of moral hazard control is the most important for the security business. In this paper, the "system, and the quality of work, risk control," the main line for the study, from the "man" is the risk of investigation, risk assessment, risk control, risk monitoring from the perspective of the actual implementation, of the current enterprise risk control system guarantees the existence of loopholes, and then reconstruction of business processes, authorized approval mechanism design, organizational design (the design of human resources, division of labor), mechanism design, such as auditing and checking links, to ensure that all aspects of project operations in strict accordance with the relevant institutions can implement to ensure that risk control in order to guarantee the establishment of a sound internal management of business risk control system.