Research On The Influence Factors On Risk Control Of Financing Guarantee Company

Financing guarantee company refers to guarantee company as a third party of credit business, with Banks and other creditors agreed, in the guarantee can’t keep the debtor to fulfill its obligations, the guarantee company shall bear the liability for guaranteeing the agreed in the contract. With the continuous development of our country folk finance, guarantee industry growing, promoted the local financing, promote the development of small and medium-sized companies, and make up for the deficiency of the formal financial. But due to guarantee company always be a supplement to the formal financial, the customer quality difference and the content of the guarantee business, so that it is always faced with higher risk. Therefore, guarantees the company risk control has been the hot topic of both at home and abroad. In addition, for nearly a year, guarantee companies in Wenzhou, Luoyang, Xi’an overall collapsed, brought great influence to the regional economy, society. Solving the guarantee company risk control has become an important subject.Financing guarantee company is the research object in this thesis. Firstly, we comb for financing guarantee company’s business process, in combination with the actual situation to its carries on the summary and the analysis of internal and external risks, the excavation of the existence of some risk control problem; Secondly, considering the complexity of risk faced by guarantee companies, we referenced Enterprise Risk Management methods put forward by the COSO organization. Based on process management and supporting facilities of ERM, to the complexities of risk control problem is analyzed, finally concludes the influence the financing guarantee companies risk management of our country at present the five main influence factors. This article from the perspective of empirical analysis to guarantee company risk control ability of analysis and research, based on the five main influence factors and the actual situation put forward relevant assumptions, after the relevant model was set up. Empirical data collected by means of questionnaire, survey the four factors influence on our guarantee company risk control ability, and find the relationship of meantime.In this article, through the empirical analysis to verify the five main influence factors on risk control and risk control the effectiveness of cointegration and sex, the relationship between the completed for hypothesis test. Found at the same time to guarantee company risk control is important of several factors, and the importance and the relationship between the factors that have a more clear understanding. At the same time, the model test results also reflects some of the factors for the adverse effects of the risk control ability, for example, in the primary level of risk management, insurance management and supervision of risk control after integration has certain adverse effect, but when the overall level of risk management to a certain extent, its control for risk management have a certain role in promoting, at the same time, the validity of the information management and control for risk management also has the same effect. This paper also concludes that the major influence factors for risk control management under the positive influence in a certain degree of effect is better, but if we do not consider the overall risk management ability, constantly enhance one of these management for overall risk control will be a reverse effect, this phenomenon in the guarantee business operating environment for risk control of cointegration and confirmed after the effectiveness of the management and supervision for risk control aspect is especially obvious. Based on the results of this article, guarantees the company to increase its ability of risk control should balance the various factors in the process of management strength, after fully understanding for oneself circumstance to choose reasonable way of risk management; At the same time, the reverse should consider some factors, avoid because of the individual risk management problems for the overall risk control ability.