The Risk Management Of Guarantee Business In S Financing Guarantee Co.Ltd

If large enterprise is the backbone of the national economy,small and micro enterprise(SMEs)is our flesh.The problem of ensuring sustained and healthy growth of small and micro enterprises has always been a major concern of our government.However,there are many problems seriously restricting their development,such as poor management,small scale,low risk consciousness and so on.Taking financing as an example,because of its greater credit risk,the owners of debt capital or equity capital are not willing to bear that risk to make the investment in SMEs.Therefore,financing guarantee institutions come into being.In order to support the regional small and micro enterprises,promote local economic development,with the support of the municipal government,Shenyang SMEs financing guarantee company was established in April 27,2012,and then established the bridge of credit among banks,effectively reducing small and micro enterprises financing difficulty.However,it is well known that the guarantee institutions operate credit,assume responsibility,and control risk.In the face of complex and changeable economic environment,market environment and institutional environment,the risks faced by the guarantee institutions are also diverse,such as the risk from the macro policy,the risk from the government,the risk from the bank and the company itself,etc..it is very important for the guarantee institutions to predict the risks,prevent the risks and resolve the risks.This theses is based on the theory of risk management of financing guarantee institutions,and combined with the actual cases of S financing guarantee company.It is the analysis and research on the risk management in the process of financing guarantee operation.This theses consists of four chapters.The first chapter is the introduction,including the research background,research contents and methods;the second chapter introduces the basic risk management theory and present situation of financing guarantee institutions;In the third chapter,risk management theory and present situation of S Financing Guarantee Corporation is analyzed;The fourth chapter is the exploration of the risk management mechanism of S Financing Guarantee Co.,Ltd.