A Research On Risk Management Of The Guarantee Project In Jinan T Financing Guarantee Company

In China,the development of financing guarantee industry started relatively late,be accompanied by the problems of small scale,weak capital strength,and poor anti-risk ability,in a long period of time.As the economic development enters a new normal state,the guarantee institution face an industry crisis and great challenges.In order to deal with the recession of the whole economy,risk management is an urgent problem.Financing guarantee company's main business is high-risk,if the guaranteed enterprise cannot repay the loan,financing guarantee institution shall be held jointly liable,have to repay the loan.This is the biggest risk to insurance company.So,in the practical business,the guarantee project risk identification,evaluation and control have great significance.Otherwise,the financing guarantee industry can not achieve a stable and healthy development.The article first summarizes the risk identification,risk evaluation and risk control theory background and literature review,then taking T company as the main research object,found that T's current risk management system has such problems as incomplete investigation and audit,insufficient risk identification,defective evaluation index system,limited risk supervision measures,serious lack of safeguard measures and single risk response strategy.So,we carry out risk identification on financing guarantee projects from five dimensions:industry risk,enterprise fundamentals,chief executives,financial data and other risks.On this basis,Delphi method,questionnaire survey method,AHP are used to identify risk factors and index weights,and build a risk level evaluation system for guarantee projects,so as to provide references for the company to decide whether to accept or not.Finally,put forward the scientific and rigorous,comprehensive and efficient,strong operational risk control measures,and effective risk management to avoid,reduce and transfer risks.At the same time,a comprehensive risk management based on T company from internal perspective,put forward the risk safeguard measures in the organizational structure,corporate culture,human resources,information system.I hope this research can make T financing guarantee corporation improve the ability of risk identification,evaluation and control.In order to better cope with the continuing downward pressure of macro-economic,and get broader prospects for development.At present,the development of China's guarantee industry is undergoing a round of adjustment,ushering in more opportunities for development,and facing more environmental challenges.So this requires financing guarantee institutions to further improve the risk management of guarantee projects.This article selects T company for case study,can help the company to solve the difficult problems encountered in the development,has certain reference significance to the same type of financing Guarantee corporation.Finally,it hopes to help the whole guarantee industry to achieve the healthy and stable development.Financing guarantee is the key means to solve the problem of small and medium-sized enterprises financing difficulties.Improving the risk management ability of guarantee projects not only promots its own development,but also contributes to alleviating the financing problems of small and medium-enterprises and promoting the development of local economic.