A Study On Financial Risks Early Warning And Precaution Of Junxin Financing Guaranty Company

With the economic marketization and globalization,and the government's focus on small and medium enterprises in recent years,nearly a decade financing guarantee companies in such an environment to grow rapidly,these fast-growing security companies in the current economic situation is very attention.Enterprises in the face of a rare opportunity,but also can not avoid the same time to take some risks,the guarantee company in the growing risk of the problem will gradually appear.Financial risk is the most direct way to reflect the problem,if the business does not attach importance to financial risks,ignore its management and early warning,the consequences will be very serious,will lead to operational difficulties or even bankruptcy.To prevent financial risks in advance,we must establish a sound financial risk early warning system.The establishment of financial risk early warning system can take preventive measures,help enterprises to make early to avoid financial risk decisions.Research object is Junxin Financing Guaranty Company by the Harbin municipal government shares of the mixed ownership of the security company,Heilongjiang Province for small and medium enterprises to provide financial services,advanced units.Junxin Financing Guaranty Company is affected by internal and external factors,and its financial risk is becoming more and more prominent.Therefore,in the case of internal and external problems,are guaranteed to prevent and mitigate the existence of financial risks should be established as soon as possible financial risk early warning system.In the study,we should establish a financial risk early warning system suitable for homogeneous guarantee,and use the effective coefficient method to help analyze the financial indicators in the early warning analysis.The main research ideas are as follows:Firstly,the paper analyzes the present situation of the financial risk early warning of the guarantee company and summarizes the concept of the financial risk and the financial risk early warning of Junxin Financing Guaranty Company institution,and expounds the necessity of adopting the efficiency coefficient method.The paper analyzes the current situation of the financial situation and the management of the financial risk early warning,and puts forward the necessity of establishing the financial risk early warning system.Then,the financial risk early warning system suitable for Junxin Financing Guaranty Company is established.The solvency,the ability to operate,the ability to develop the four aspects of the appropriate financial indicators to form a financial risk early warning index system,set the indicators of the early warning interval,synthetic early warning model,the letter of the company's financial risk warning model for application,Finally,according to the data obtained from the financial risk warning system,it analyzes the hidden dangers of its financial aspects and puts forward some suggestions on the operation of the financial risk early warning system,and puts forward the corresponding financial risks for the internal and external financial risks countermeasure.Through the study found that the establishment of Junxin Financing Guaranty Company to ensure that the financial risk early warning system will help the company to predict its financial risk.It can help enterprises to discover financial risks in time,strengthen the control of financial risks,and help ensure that the company can realize the sustainable development of the enterprise by using the financial risk early warning system.In addition,the financial risk early warning system not only serves the managers,the other stakeholders can also benefit from Junxin Financing Guaranty Company,can be used as an important reference for decision-making.