Research On Comprehensive Risk Management Of Guarantor Companies In China

Currently from the our country economy, small and medium-sized enterprises is an important part of national economy, it is the survival of the good and the bad moment affects the national economic and social development. Small and medium-sized enterprises lack of congenital conditions make it in a weak position in market competition, thus easy to cause caused by a shortage of credit loan difficult problem. Therefore actively promote establishment of small and medium-sized enterprises credit guarantee system, and through the formation of credit guarantee institutions, enhance small and medium-sized enterprise credit, make it can get a loan from the bank, thus better able to break out from its development bottleneck.Credit guarantee agencies for small and medium-sized enterprises and intermediary bank for small and medium enterprises to get loans also scattered on the bank’s credit risk, so credit guarantee is known as a high risk industry in the world, how to carry out the effective management of the risk is also a difficult problem in the world. In our country as the financial system reform continued to deepen, the national policy also began to strengthen the support to small and medium enterprises, makes our country small and medium-sized enterprise credit guarantee industry gradually into the specification consolidation stage of development. State-owned small and medium-sized enterprise credit guarantee company policy guarantee positioning is also increasingly clear. Under the background of this guarantee companies need a more formal way to face the risk, so how to establish the overall effective risk management system of complete guarantee companies, how to control the risk of credit guarantee for the sustainable development of the credit guarantee for small and medium-sized enterprise development is particularly important.Firstly, starting from risk management theory, this paper focuses on the modern risk management theory of the COSO framework of comprehensive risk management theory, and based on the construction of overall risk management system for guarantee agencies, combining the case of A guarantee company in guangxi in the comprehensive risk management target system, implementation of comprehensive risk management platform, comprehensive risk management implementation process, comprehensive risk management regulation system of the four aspects of the practical application of comprehensive risk management system for further analysis shows that the unreasonable in guangxi A guarantee company management has put forward the improvement scheme, let its risk management will be improved.This article through to the construction of A comprehensive risk management system framework, combined with A guarantee company in guangxi:an empirical study of risk management issues, hoping to our country small and medium-sized enterprise guarantee company in the construction of A comprehensive risk management and improvement to provide certain theoretical basis and practical reference.