The Risk Management Research For SMEs Financing In Guarantee Process

With the development of the SMEs in China, the demand for funds is becoming more and more urgent. In this case, as important financial intermediaries for SMEs financing the guarantee industry born out, this has played an irreplaceable role in the lending process. Financing guarantee industry developed rapidly in recent years, which has become an important financing channel for SMEs to raise their production and operation of the funds needed. As the financing guarantee institutions bear the risk and not proportional to income received in the security process, resulting in the industry has become a high-risk industry.As a guarantee agency, control the process to prevent potential risk guarantee business is one of the most important prerequisites guarantee business continuity management. The paper constructs a risk evaluation system, in order to guarantee the company can be found in the SME loan applications in production and management problems in the first time.By constructing a credit risk evaluation index system for SMEs, both from the perspective of the pre-loan and mortgage loan application business process for the risk study. And from a financial and non-financial aspects of the business carried out a detailed analysis, the formation of a set of practical significance of the indicator system. Then put it into practices.In this passage quote an example of Z Guarantees Company to provide guarantee for Y. The aim is to give some suggestions for the guarantee industry and will bear by the enterprise guarantees a minimum.