Research On The Risks Management Of Financing Guarantee Of Small And Micro Enterprises In Jiangxi R Guarantee Company

In China,the large number of small and micro enterprises has become an important part of the national economy.However,because of the lack of management system,weak profitability,and poor risk tolerances,mall and micro enterprises has always been more difficult to low-cost financing.With the various financial policies have been be published,governments demand guarantee companies to be an effective way to solve the financing difficulties of small and micro enterprises.But the history of financing guarantee corporations in China is short,and because of the lack of relevant risk management experience,and its weak risk control capabilities,guarantee industry presents the characteristics of "high risk,low income".In order to ensure the steady development of the financing guarantee corporations,and meet the financing needs of the micro and small enterprises,it is very important for financing guarantee corporations to improve the management ability on the credit business of the micro and small enterprises.Based on the analysis of research overview on the risk management in domestic and abroad,and the actual situation of Jiangxi R Guarantee Company,this paper studies the risk management of the credit business of small and micro enterprises.This paper adopts the methods of literature research,case study.firstly,analyzed the present situation of credit risk in micro and small enterprises from two angles:internal and external environment.Then analyzed the problems in risk management from three aspects: risk identification and assessment,risk monitoring and risk control.At last,from an internal and external perspective,put forward some suggestions such as accelerating the construction of risk awareness,improving the organizational structure of risk management department and optimizing the risk control process.For financing guarantee corporations,improve the level of risk management can reduce the credit risk of small and medium enterprises and solvethe problem of financing difficulties for small and medium enterprises.This paper mainly analyzed the case on the risks management of financing guarantee of small and micro enterprises in Jiangxi R guarantee company.Firstly,it can improve the theory system of financing guarantee industry,combining with the current environment of "inclusive finance",it also provided theoretical guidance for the current domestic guarantee company on risk management.Secondly,it can help the financing guarantee industry get rid of the development difficulties and promote the stable and healthy development of the entire industry.