| Small-micro enterprises accounted for a large proportion in the national economy which is an important part of the national economy.In recent years,along with the various support policies,the small-micro business environment is improving.Actually,small businesses still faces the loan problem which is small businesses cannot loan form financial institutes.With the guidance of the policy,financing guarantee companies is changing the business ideas from the past blindly pursue the number of business to the quality of business.Financing guarantee companies are turning to small micro-enterprises and helping the small-micro enterprises to solve their financial problems.Based on the analysis of the current situation of risk management,this paper studies the risk management of small and micro enterprise guarantee projects under the guidance of risk management theory,combined with the characteristics of risk and the actual situation of Ningxia N financing guarantee company.In this paper,the method of literature,questionnaire,analytic hierarchy process are used.The accounting and non-accounting factors to evaluate and evaluate the risk of small and medium enterprises are created,the weight value of risk index are calculated.Based on the control strategy to void risks,take risks,reduce risks and share risks,this paper puts forward the corresponding risk control measures and accords to the practical problems in the project of Ningxia N guarantee company.The risk,faced by the enterprise,will be different when the time and environment have been changed.There is no a particular risk management system which can fit by all kind of small-micro enterprises.The guarantee institutions are required to constantly improve and refine the risk indicators,assess the comprehensive risk of enterprises,develop risk-control measures.Eventually,the guarantee institutions will grow healthy and provide a better micro-enterprises financial services. |
PDF Full Text Request