Research On Risk Management Of AB Guarantee Company

In the process of economic development of our country, small and medium-size enterprises gradually become an important power. Financing difficulty always restricts the development of small and medium-sized enterprises in our country. Combined with the recent worldwide economic growth is slow, small and medium-sized enterprises of our country is short, financial difficulties, leading to lower profitability. This problem by the wide attention of the society, as a business link with the Banks and guarantee agencies arises at the historic moment, the development of both sides have played a role that nots allow to ignore, guarantee agencies work goal is to ensure the responsibility of asset and credit certificate together, and then improve the warrantee in bank credit rating. Came up with the guarantee company to solve the problem of small and medium-sized enterprise financing has brought new hope. The core of the guarantee is for transfer and disperse and guard against risks, guarantee the industry itself is a high-risk industry. So on the premise of perfecting the guarantee company business process, establish a sound risk management mechanism, is crucial to guarantee company.Based on carding domestic and foreign research literature, with the method of literature analysis and case, guaranteed in Harbin AB company as the research object, analyzes the company's basic situation, business operation flow, and the existing risk control system. Through field visits to the company, and adopt the way of questionnaire to survey employees and related personnel, analysis of the company in the risk control problems, including:risk system and risk control method, system implementation and risk response to the problems. And guaranteed to Harbin AB company risk control problems cause analysis, including the national policy, the enterprise idea, department function and coping mechanism. For the national security industry in the top ten outstanding enterprises were analyzed, and find its risk control experience worthy of learning, to guarantee Harbin AB company to perfect the risk control solution measures are put forward, including perfecting system, system, functions and response to risk and so on to help Harbin AB guarantee companies to establish a new company risk control mode. Based on the research of the Harbin AB guarantee company risk control, hoping to lead to guarantee industry focus on the question of risk control, which can promote the development of stable guarantee industry, dissolve the small and medium-sized enterprise financing difficulties.