The Study On Risk Management For A Credit Guarantee Company

In China, guarantee industry is a new industry which begins to develop in the 21st century. With the rapid development of our country's economy, guarantee industry also develops very rapidly. Because of the particularity of guarantee business, guarantee industry is a high-risk industry, thus the key to the stable development for guarantee industry is risk management of guarantee business. But in our country, due to the reason that guarantee industry starts fairly late and lacks experience, the problem of lacking risk management methods exists widely; this is a very important factor that restricts the stable development of our country's guarantee industry. When guarantee agency develop itself, in order to better serve medium and small enterprises, the problem that how to improve the risk management level for the guarantee business becomes a problem which should be solved immediately. This is also the problem which this thesis tries to study and solve.The guarantee company A the author works now was set up in 2001, after several years development, it has become one of the largest guarantee company in our country. Within the past several years, Company A has found and established an effective risk management system for guarantee business and outstanding achievements have been acquired in the field of risk control for guarantee business. The author has worked in company A for many years and taken part in the process of establishment and implementation of risk management system. In this thesis, the case analysis method is mainly adopted. First of all, comprehensive knowledge of risk management for credit guarantee business is generally introduced; Then, choosing the successful elements of business risk management of company A to make an analysis, summing up the effective risk management methods of company A, such as: risk-sharing, risk-spreading, risk-averting, risk-transferring; especially the risk control methods which can be easily operated, and thus Cases lessons are concluded:The risk management for guarantee business is a system engineering, efficient risk control for guarantee business can only be achieved through an organic combination of risk management methods of various aspects of guarantee agency. In the end, on the basis of the above analysis, from the point of view of risk management, some conclusions which can reduce the risk of guarantee business effectively are summed up.