YNDB Guarantee Company Internal Control System Improvement And The Risk Decentralized Strategy

the characteristic of credit guarantee company's management is of high risk and low income". To achieve the sustainable management, It's necessary to reduce the guarantee commutation payment with every effort, and to strengthen self-risk recognition, risk management, risk control and risk melt ability, so that the company can survive. The risk is objective, it's impossible to eliminate completely, furthermore, The risks that the credit guarantee company possibly confront with is the supervisory control risk from the internal, and the external risk as well. So, the risk control system which the credit guarantee company constructs must be of systematic characteristic. Therefore, with the credit guarantee company management reality, constructing a set of scientific and the effective risk interior control system, avoiding the the operation risk and the capital loses, is the key issue to insure the steady of the guarantee company and the sustainable development.This article is based on this presume, the main string of the article is how to construct the risk internal management system of the credit guarantee company, and widen the risk dispersion strategy. Taking the present risk interior control system of the YNDB Bonding company as the research case, by the positive analysis of the organization construction, human resources management of risk, the design of operation flow, the risk melt strategy implementation, applying the economic and financial theories, the article searches the problem of the company risk control system, and looks for the methods and measures for further improvement. Meanwhile, in order to resolve the problem of the passive defense in the risk control, with the company's capital investing structure, explores actively the strategy which can disperse the business risk, the article provides the suggestion for the promotion of the company's risk management level. The analysis of this article is significant not only to the improvement of the YNDB bonding company risk interior control ability, but also to the same business of other credit guarantee companies.