The Research On The Risk Prevention And Control Of Dalian SMEs Credit Guarantee Company

In recent years，the obtained the rapid development of our country， in promotingeconomic development and plays an important role in maintaining social stability. However，small and medium-sized enterprise itself are in a small scale， backward management andpoor ability to resist risk weak， its credit rating are often unable to get loans from Banksand other financial institutions directly financing. This greatly restricted the development ofsmall and medium-sized enterprises.Credit guarantee industry in China started from1990s, under the leading of thegovernment, the credit guarantee institutions to provide more opportunities for small andmedium-sized enterprise financing and convenience, development so far, our country’s creditguarantee industry has made great development. However, the industry’s security concerns,according to data show that in2011, the national security industry there are10.198billionyuan of bad loans, has accounted for the total amount of non-performing loans ofcommercial Banks at the same period more than2%. In this paper, from the perspective ofrisk management, to small and medium-sized enterprise credit guarantee company in dalianas an example, through the analysis of its risk management situation, puting forward theimprovement Suggestions.This paper is divided into five chapters： the first chapter is introduction, introducedthis article research background, significance, research ideas, research achievements at homeand abroad and the theory of guarantee the comb； The second chapter, mainly introducesthe theory and practice of small and medium-sized enterprise credit guarantee agency risk,provides the theoretical support to the research of this article； Dalian in the third chapter,summarizes the current status of small and medium-sized enterprise credit guaranteecompanies risk management； The fourth chapter, this paper puts forward for small andmedium-sized enterprise credit guarantee company in dalian of risk prevention and controlmechanism； The fifth chapter is conclusion and prospect.The contribution of this paper lies in： on the related theory and the information on thebasis of collection and sorting, identify the risk of small and medium-sized enterprise credit guarantee company dalian development zone main defects existing in the prevention andcontrol system, and puts forward concrete measures aiming at these defects, and methods.