ERM Under The Perspective Of Overall Risk Management Research Division Wisdom Guarantee Company

Since entering the new century,the integration of the world economy is more and more serious,with each passing day,the domestic financial system reform and market economy competition intensifying,and with the domestic financial market turmoil,the breeding ground for the more and more uncertain factors.Assurance,however,has been in a high-risk industry,need to pay more attention to the intricate changes of internal and external environment.National policy system is not sound,the strength of the thin guaranteed objects,and the credit rating of the lack of risk control of the internal and external factors increased assurance.Therefore,how to make the assurance to the management of risk,a comprehensive identification and deal with the risk of a crisis of each link has extremely important practical significance.To strengthen the research of comprehensive risk management,perfect risk management system,enhance the risk control,for assurance to form a good development environment,maintain orderly development order is of great significance.This article is in this context,to our country the head of private security division wisdom guarantee companies,for example,to study the comprehensive risk management.This article is based on the content of the theory of ERM,and analyzes the division wisdom guarantee companies risk management status,further find out the loopholes anddefects existing in risk management.Then according to the theory of ERM framework elements,targeted to design a set of applicable Zhongkezhi comprehensive risk management system of guarantee companies.The system is focused on the comprehensive control the guarantee each link may face the risk of the crisis,and the design standard,quantifiable guarantee decision-making procedures,to ensure the scientific and reasonable decision-making process.Finally,the risk of quantitative analysis,the effective guarantee against represented by division wisdom industry facing the lack of risk control implementation strategy is proposed,and the application.