Affiliate Guaranty Risk Control Investigation

Guarantee is widely spread in financing loan, as the development of domestic market oriented economy. The third-party credit guarantee is especially welcomed by the loan hunters and appliers for the high efficiency and frequency. As the company-related guarantee is surging in recent years, the watchdog and creditor and public concerns about the following severe problems. Domestic companies have to get debit financing through guarantee intermediate to meet the liquidity expectation under an immature market credit system.But this sort of credit guarantee has blow risk effect, because if one ring of the whole chain is cracked down all of the linked companies suffered the risk, further more if the risk is not under control properly, it would threat the safety of the entire financial system.The fact is there are still lots of problems about the guarantee actions, even though we get laws on this field. These problems caused by the immature financial debt system and companies have different attitudes and strategies toward risk. These complicated factors has made the company-linked guarantee risk expanded, which not only damage the company and the debtor’s interest, but also a huge threat to build a stable and reliable financial market.Under such circumstances, the essay focus on the company-linked guarantee risk through the cause and effect factors.According to the former expertise research and reference, the essay launches personal advice and suggestion about the linked-company credit risk management.The main content and standpoint as following:Chapter 1, Introduction of the research purpose and meaning, review aboard and domestic related guarantee research and this essay research roadmap.Chapter 2, relevant theory summary, introduction of guarantee, related guarantee, risk and risk control basic theories. Chapter 3, analysis of the current domestic company-related guarantee. Analysis the public company’s data combined with the latest theories.Chapter 4, the related guarantee risk and effect analysis, features of related guarantee.Chapter 5, the company-related guarantee risk management. The risk control is based on social economic environment, law construction, and company credit building, risk management and internal control.The essay’s main contribution is:the public company guarantee problem is highly concerns, China securities regulatory commission rolls out bunch of regulations on listed company guarantee. However the related guarantee problem is either occurs in listed companies or private companies. This essay is point out where is the risk located and what is the huge effect, furthermore it rolls out constructive advises and suggestions on this topic. Expect to be good reference to regulate company-related guarantee.