Dsign And Implementation Of Guarantee Business Risk Management System

Along with our country economy development, guarantee companies play an important role at the same time also faces enormous guarantee business risk, in recent years the emergence of corporate defaults is unable to repay debts and compensated by the guarantee company events more and more, guarantee business risk management has become the key problems affecting the guarantee company survival and development of our country, strengthen the guarantee business risk identification and control so as to improve its competitiveness has become the consensus of guarantee industry.But previous guarantee business risk management has many disadvantages:the risk management mainly by artificial means not only low efficiency,slow information transmission, and there are resources for difficulty and the risk of improper safekeeping lost; Risk assessment to a great extent, still rely on professional qualitative analysis, some guarantee company introduces the method of quantitative analysis of the evaluation index system of but there are still a single can not adapt to many industry many kinds of guarantee business risk evaluation. Aiming at the defects of previous guarantee business risk management system, using the MIS management system advanced design concepts, relying on modern computer technology, design implementation guarantee business risk management system, improve the efficiency of the guarantee business risk management, eliminating the risk caused by incomplete information transfer in time, and adopt the method of combining quantitative analysis and qualitative analysis to evaluate risk, through the system built-in industry more and more collateral type combination of evaluation index system for guarantee business risk assessment. Guarantee company guarantee business management system design and development of risk management makes the guarantee business risk management on the path of scientific, information technology, improve the efficiency of the guarantee company, enhance the competitive power of the guarantee company, implements the effective guarantee business risk identification and control, make the enterprise in an impregnable position in the survival and development.In this paper,according to the writing of software development process, after full communication with users has been clear about the guarantee company organization and business process, according to the need to be guaranteed before guarantee business risk management can be divided into investigation and management, risk assessment and decision-making management, guarantee period three phases, based on demand analysis,and then carries on the system design, finally has carried on the system test.Through the test cases show that system to guarantee company risk identification and control, the right decisions for has important practical value.