Study On Internal Risk Management Models Of T.X Guarantee Company

Small and medium-sized enterprises are playing an increasingly important role in the development of national economy. It is difficult to obtain financing, especially hard to get bank loans, so that has been one of the main factors restricting their development.With the development of small and medium-sized enterprise credit guarantee agencies, small and medium-sized enterprise financing difficult problem eased to some extent. The credit guarantee institutions operating risk, responsibility, it is recognized as high risk industry in the world. They faced in the operation risk from all sides. Therefore,risk management is the core content of existence and development of credit guarantee institutions. How to establish effective risk-control mechanism, effectively guard against and dissolve the risk,that is a concern of continuously explore in practice. The internal financial supervision mode is a kind of worth exploring. T.X Guarantee Company is a private investment enterprise and commercial financing guarantee company with single channels of funding sources. Because of the profit-driven capital, T.X Guarantee Company must strengthen the internal risk management.In the paper, we describe T.X Guarantee Company to form a situation, the basic situation and operation situation. Through the analysis of the internal risk management model of the external environment and risk, we believe there is a big problem in the company internal risk management models. In the internal risk management models through analysis of the external environment and risk, we think it is very necessary for the guarantee company to strengthen internal risk management because of the external environment serious and regulatory upgrade.In this thesis, we construct and analyze T.X Guarantee Company internal risk management models. We believe that the directly responsible persons authorized examining and approving system is the main reason to make the company guarantee compensation rate rose and guarantee risk increased significantly. It is also the major problems of the company internal risk management models.Then, through interviews records and questionnaire survey data analysis, and the result of the questionnaire T.X Guarantee Company related data analysis, we analysis the problems existing in its internal risk management models. We believe that the problem of its internal risk management model is derived from the directly responsible persons authorized examination and approval system. The root cause of the person directly system lies in the corporate governance problems.Finally, we put forward the perfect Suggestions about T.X Guarantee Company internal risk management models. We believe that the overall development trend of financing guarantee agencies should be guo jin min tui. Domestic credit guarantee will eventually develop into a system that is the policy guarantee agencies of the government investment or government investment as the main body and mutual guarantee agencies as a supplement. The credit guarantee institutions fully funded by private capital will gradually out of financing guarantee industry. T.X guarantee companies and other private investment of commercial financing guarantee company should recognize it. They should replenish capital funds by gradually introducing fiscal funds or state-owned enterprises and standardize management. So they can survive and develop in the increasingly strong regulatory environment.