Risk And Its Prevention And Control Strategy Study Of Guarantee Business In Commercial Bank Of Suzhou

In recent years, the scale of banking financial institutions and financing Guarantee Corporation business cooperation continue to expand, particularly the credit business in small and medium-sized enterprises, but due to the uncertain economic environment,the impact of macroeconomic growth rate downward pressure, both of small and medium-sized enterprises and guarantee institutions are facing tremendous pressure. At the same time, In the pursuit of greater wealth, many guarantee institutions engage in illegal fund-raising, high risk investment, high interest loans and other business,lots of them have closed down because of the risk all over the country,the credit business of the guarantee institutions from the "firewall" into a "powder keg". Commercial bank as the partners of Guarantee institutions for credit business, once the capital chain of the guarantee institutions rupture occurred, the second source of repayment of the bank’s credit assets will be facing the huge risk. It is importance to further establish risk guarantee service, to strengthen the management and control of bank guarantee business, to prevent the guarantee risk, to promote the credit business, health,sustainable development.In order to effectively manage credit risk, this paper makes an analysis from the Suzhou branch of a commercial bank cooperation guarantee business, uses the theoretical research method, survey method, case study method, based on a risk investigation of credit business of commercial bank in Suzhou, focus on the analysis of the types, causes and effects of risk, through scientific methods of risk identification, analysis, and evaluation. According to the business process and the key risk points, analyzes the existing problems in commercial banks from the angle of the internal control. To reveal the problems in the system design, management, perform root cause level, and then, puts forward the strategy of prevention and control effective, help to further enhance the level of risk control.