Gansu Small And Medium Enterprises Gredit Guarantee Institutions Risk And Control

Demand of medium and small-sized enterprises for loans has the following features: urgency,high frequency,less funds and high risks. As for the case of SME credit guarantee industry, the operators are institutions that specialize in risk management, however, the risks they face are higher and more than those faced by insurance companies and financial insittutions. Therefore, risk prevention and control,stable and healthy management of enterprises and sustainable development are the key aspacts of concern for credit guarantee dealers,and even you can take those factors as a matter of life and death for an enterprise. Through this essay,the author analyzes the risks the guanrantee companies face in domestic business and explores the mechanisms they initiate and relevant risk manangement problems. The author attempts to set up a risk manangement frame through drawing lessons from experiences learned by international risk manegement entitites so as to make sure that our province guarantee companies can have a healthy and sustainable future. The essay includes7parts:The author deals with research background and significance, and he also deals with research contents and thinking. Based on these, the author analyzes the risks domestic guarantee institutions face and dwells on the initiation mechanisms for risks,1. external environment initiates risks for macro-economy;2. cooperating banks initiate risks;3. factors within guarantee institutions initiate risks;4. intermediary organizations initiate risks;5. the high risk staking customers initiate risks;6. the improper intervention by governments initiate risks.The author begins with introducing risk management models shared by the same business dealers abroad, analyzes the experiences gained by overseas SME credit guarantee companies. By drawing from lessons learned by fellow dealers, the author has the intention of setting up the risk management frame for Chinese companies. The author analyzes the demerits of domestic risk guarantee companies and finds solutions for them. Finally, the essay quotes several risk control cases in Gansu Provincial Credit guarantee insititutions and gives solutions for risk dissolving situations.The author believes that only by safety first management, taking every risk under control, the prudent attitude toward potential risks and the aptitude to deter risks, the risk management companies can make a sustainable development.