The Study On The Risk Control Of Guarantee Of Small And Medium Enterprises

Small and medium-sized enterprises played an important role in promoting the national economy growth. But the shortage of funds, financing difficulties has been plagued by small and medium-sized development. In financing process small and medium-sized enterprises are always Discrimination by the bank. In order to fight for limited financial resources and reduce financing risk, the method of guarantee was used more and more. But along with this process, the problem of guarantee come to light little by little, and incur serious credit crisis, increased the risk of finance. The main reason which cause the risk of finance is the weakness internal control in Small and medium-sized enterprises. This thesis takes the guarantees risk of ZheJiang JH traffic engineering co., LTD. as the research object, first analysis the problem in the guarantees risk of ZheJiang JH traffic engineering co., LTD. Second discussed how to set up the internal control system of guarantee with modern internal control theories.This thesis consists of four parts:The first part, summarize the Progress of relevant theories of guarantee risk and internal control in domestic and overseas; The second part describes the internal control and risk control theories; The third part introduces the present situation of guarantee of the ZheJiang JH traffic engineering co., LTD, and analyzed the problem in the process of guarantee. The fourth part uses the internal control principle put forward in the second part, discusses how to set up the internal control system of guarantee in ZheJiang JH traffic engineering co., LTD. The internal control system of guarantee in ZheJiang JH traffic engineering co., LTD, not only help to reduce the guarantee risk, but also has certain reference significance for other Small and medium-sized enterprises.