HN Guarantees The Company's Business Risk Management Research

Recently,our economy entered into New Normal,credit risks are exposed continually,operational risk of credit guarantee company increased deeply.How to overcome the unfavorable situation,increase the level of risk management,becomes key points of the survival of credit guarantee institutions.This essay researched the development history and risk exposure of HN guarantee company,offered and analyzed the following problems of HN company:the risk management system has not been established,risk corresponding system is not perfect,risk disposal mechanism is imperfect,staffing allocation is not reasonable,comprehensive risk management information system has not been established.Combining relevant risk management theory and development history of domestic and abroad credit guarantee industry,drawed the following conclusions.Firstly,credit guarantee industry is a typical high risk industry whose risks and returns are not symmetrical.If there is no perfect capital replenishment mechanism and dispresed guarantee mechanism,its business model is difficult to continue.Secondly,the speed of integration of the industry will increase,the stratification of the industry structure will intensive.commercial guarantee institutions have to be fully diversified in order to hedge risks and be survivedThirdly,guarantee institutions have to conduct comprehensive risk management in order to get super operational risk management ability and getting developed.Based on above conclusions,the essay applied comprehensive risk management theory,credit lending allocation and information unsymmetrical theory and the method of combination of investment and guarantee,designed the risk management system,procedure and the management frame.In addition,the essay proposed the purpose and contents of risk management,under which the risks management steps has been divided into identification and evaluation,risk response,risk disposal,supervise and feedback.Finally,the essay proposed some safeguard measures for commercial guarantee institution such as risk management culture,human resource,information development and winning the support of government.