Case Analysis Of Risk Evaluation And Prevention And Control Of Financing Guarantee Projects

The emergence of guarantee institutions has alleviated the problem of financing difficulties and financing for SMEs to a certain extent,which is of great significance to China's economic growth,industrial restructuring,and social development.As a bridge between banks and corporate financing activities,financing guarantee institutions can produce good social and economic benefits.However,at present,China's guarantee industry is facing deep adjustment and optimization.While ushered in more and more market development opportunities and strong national policies,it will also face more severe market environment and industry challenges.Undoubtedly,higher requirements are placed on the risk identification capability and prevention and control level of guarantee institutions.The financing guarantee industry has always been a high-risk industry.To achieve the long-term development of China's guarantee industry,it is the key to prevent and control the risk of guarantee projects.The theoretical research on China's guarantee risk is relatively late,and it is still in its infancy.In recent years,there have been risks in financing guarantee institutions,which have had a major impact on its future business development.Therefore,the research on the risk prevention and control of guarantee projects has great practical significance.How to properly evaluate and effectively manage the risks of guarantee projects is an issue that every guarantee institution is thinking about.This paper uses the case study method to select a specific guarantee business in the A guarantee institution,that is,the X company guarantee project for analysis.This study begins with the phenomenon of frequent risk of guarantee projects,expounds the research background and research significance of the text,introduces the theory of guarantee risk,and then focuses on the guarantee project of X company as the key point to guarantee the risk of the project.In-depth research was carried out: Firstly,the general situation of the X company guarantee project was introduced,and then the risk of the project was identified.At the same time,the Z-score model was used to evaluate the guarantee risk,and the financing guarantee institution was found to exist when the X guarantee project business was carried out.Finally,this paper uses theory and practical methods to further analyze and discuss the problems found.From the perspective of COSO comprehensive risk management framework,it proposes countermeasures for the prevention and control of X-guarantee project guarantee risks,and establishes a guarantee risk early warning mechanism.The guarantee institution shall dynamically supervise the project risks,strengthen the post-guarantee management of the guarantee projects,and effectively control the guarantee risks.Through the research on risk identification,evaluation and management of X financing guarantee projects,this paper helps financing guarantee institutions to better cope with some problems arising in the future development of business activities,and conduct comprehensive guarantee risk management for other domestic guarantee institutions.It provides certain reference and reference value,and hopes to promote the development of the entire guarantee industry and guarantee theory research in China.