The Research On Improvement Of Risk Evaluation Method For Business Of QD Guarantee Corporation

Risk assessment plays an important role in the business management process, as an important part of Guarantee corporation management. It is a nice kind of the implementation of effective risk precautions to ensure that activities for the modern Guarantee Corporation. Thus, measures of standardization, systematization should be adopted to control the risk of business. And make it maximum to ensure that both avoiding the risk and profit should be achieved.I work for a guarantee corporation, which is a state-owned company focuses on MSEs. The number of MSEs is large, whose structure is complex. Instability of MSEs’business makes it high risky to operate their guarantee business. Therefore, it is essential to evaluate risk level of guarantee business for guarantee corporation. Accreditation council, which is constituted by several experts, is the main way of evaluating the risk level of business currently. Whether guarantee business is supported or not, is decided by the experience of experts and the collateral. That can make full use of experts’ experience and collective wisdom to control risk. However, there exists deviation in decision of accreditation council for subjective limitations, and because of which, may lead to compensatory or losing potential customers. Thus, it is the main goal for guarantee corporation to reduce subjective deviation.According to the faulty of conventional evaluation method and the characteristics of QD guarantee corporation’s business, the article try to make use of fuzzy comprehensive evaluation method as a new way for QD guarantee corporation. By collection and survey of information of different kinds of enterprises, the characteristics of production and management are analyzed, and an evaluation indicators system is built, which can reflect the ability of repayment of enterprises comprehensively and accurately. Analytic Hierarchy Process is taken to calculate the weights of indicators system by pairwise comparison of evaluation indicators. Then, membership vector theory is taken to make multi-level fuzzy comprehensive evaluation. Comparing the conventional method, the proposed method has advantages of quantitative in analyzing the potential risks of guarantee business. The potential risks can be noted accurately. And it can support the business decision with technological reference.