The Framework Of Comprehensive Risk Management Of Shandong Re-guarantee Group Co.,LTD.

In the early days of market economy, due to withdraw from credit, a large number of enterprises, bank, individual as the main body of credit to participate in the market economic activities which in the rapid growth,produced a sustained increase credit relationship,credit trading and credit demand,this time to establish credit mechanism, social credit system and credit management system has become the the urgent demand in the maintenance and safeguard of the normal order and the healthy operation of market.International experience and China’s reform and opening up practice prove that, the most important thing is to establish credit system and credit mechanism to the operation and the development of market economy.The basic market activities will be difficult to maintain once lack of constraint of these basic rules. In order to establish the socialist market economy of our country need us to establish the credit system which covering the whole social and effective credit mechanism as soon as possible. As an important part of the social system,the credit guarantee industry has produced and developed in this environment and has became a industry.As the cells of the development of national economy,financial difficulties of enterprises especially the small and medium enterprises has became the primary bottleneck in the development, and affected the development of the economy and the optimization of the economic structure of the whole province.Under this background,Shandong re-guarantee group co.,LTD. arises at the historic moment.From its inception,the group insists on its business purposes-- "services to small and medium enterprises, to promote the economic development of the province" all the time, and constantly deepen the reform and innovation,strictly controlling the risks, regulate the operation.These make the group get good results in management and business.But with the continuous expansion of business scale, increasing conservation projects,the Shandong re-guarantee group co.,LTD. problems existed in risk management has gradually appeared, there have been projects have emerged in varying degrees of risk early warning, or even a compensatory. Therefore, Therefore, the establishment of an effective risk management system is the inevitable requirement for the Shandong re-guarantee group co.,LTD. long-term stability and sustainable development. This paper construct the comprehensive risk management system of Shandong re-guarantee group co.,LTD.,which base on domestic and foreign research literature and analysis of the basic situation of Shandong re-guarantee group co.,LTD.and existing problems of the group.This paper is divided into three parts: the first part is the theoretical basis, mainly introduces the related literature at home and abroad, a more comprehensive description of the risks of financing guarantee institutions,the introduction of risk management and comprehensive risk management. The second part introduces the situation of Shandong re-guarantee group co.,LTD.,it includes basic situation,risk management status and existing problems of Shandong re-guarantee group co.,LTD.. The third part constructs the comprehensive risk management system on the basis of the two parts.The system has four components--target system,process system,supervision system and operating system.