A Company Secured Loan Risk Management Research

With the rapid development of non-public sectors of the economy and minor enterprises at the same time,the demand for credit funds also increased,but the effects of most minor enterprises by the management system is not standardized,opaque financial information,lack value of collateral real estate and other factors are difficult to fully conform to the commercial bank credit loan standard.Unlike the policy guarantee corporations,the customers of private guarantee corporations are from minor enterprises who cannot get credit funds from commercial bank,so the private guarantee corporations help the minor enterprises get the credit funds for operation,ease the financing difficulties of minor enterprises generally faced,and play a positive role in promoting the development of the non-public sectors of the economy in our country.Meanwhile,because of most private guarantee corporations are weak,lack of venture management regulations,operation standards,laws,regulations of self-discipline and other issues,leading to the risk which private guarantee corporations faced increasingly.At present,methods and Strategies for the venture management of private guarantee corporations are still not systematic,therefore,distinguishing and reducing the problems of venture management effectively is a key point to be solved by private guarantee corporations.Based on the comprehensive studies of domestic and abroad,combined with the actual situation of company A,the paper analyzed the problems and reasons for loss of compensation such as obsolete methods of project approval,lack of rules and regulations for the venture management and institutional constraints and so on,did a deep research of how to carry on the venture management,proposed to establish a systematic venture management methods,and Summarized in six progresses:setting project,due diligence,venture investigating,discussing in a meeting,loaning,management of after guarantee and assets resolution.Finally,the methods of venture management measured above are applied to the actual case of guarantee financing project.Hope that the methods of venture management designed for financing guarantee business have important reference significant of the entire private guarantee institutions.