Research About Risk Control Of Guarantee Companies In Henan Province

As the Chinese economy into a new orbit- the "new normal", small and medium-sized enterprises as strong facilitator role in economic development will be even more highlighted. In order to solve the financing difficulties of small and medium-sized enterprises, our country established the credit guarantee system in the 90 s.In the market and policy guidance, the practice of Henan province from 1992 to guarantee business has experienced from the readjustment of the bud, opening up to the booming and four phases. Driven by the huge financing needs of SMEs, enterprises in Henan guarantee once showing explosive growth. Guarantee companies in Henan province has become a powerful supplement to the financial institutions, which greatly easing the financing problems of the small and medium-sized enterprise, contributing to the Henan economic development. The guarantee enterprises flourish, while a variety of problems also followed. In-depth analysis was carried out on the guarantee companies in Henan province, which found that the problems of guarantee companies in Henan province in developing are various, such as the internal control is not perfect, inadequate risk reserve, lack of risk warning mechanism and external supervision does not reach the designated position, etc. In the past two years, the guarantee of Henan enterprises were focused rectification, but there are still a lot of problems emerging Guarantee industry is a high-risk industry, which business is credit risk management in order to ensure the interests of partners. Each a compensatory guarantee will cause great losses to the enterprises, so the risk control is very important to guarantee companies. External sound and effective regulatory system is an important guarantee for the healthy development of the security industry.Based on the research on the basis of a large number of literature data, this paper first of all to sort out the guarantee companies domestic and foreign research present situation, and the guarantee companies in Henan development course and current situation of the development and characteristics are analyzed in detail. Through to the risk before and after the consolidation of companies such guarantees are collated, it is concluded that the risk points affecting the development of guarantee companies in Henan province lies in the inside and outside two aspects: External reason mainly lies in the relevant legal system is not sound, government regulation is not in place, when working with the bank’s risk allocation proportion is unreasonable, and because the risk is passed, from the influence of the small and medium-sized enterprise guarantee object is also very obvious; Internal reasons guarantee in building their own enterprises, mainly for the risk control mechanism is imperfect, the staff quality is uneven, business operation and compliance problems, etc. On this basis, combining with the specific situation of Henan province, to take various measures are put forward, from the system construction, the credit system construction to improve the risk sharing mechanism, innovation guarantee enterprise internal operation mechanism, strengthen the construction of the whole process of risk control and early warning system. Guarantee industry in Henan province at present is still in the specification consolidation stage, through a series of measures to guarantee companies in Henan province will be bound to the healthy development of making due contributions to economic construction in Henan province.