Research On Risk Management Of L City Venture Loan Guarantee Center

On July 15,2017,General Secretary Xi Jinping stressed at the National Financial Work Conference that we should serve the real economy,prevent and control financial risks,deepen financial reform and promote the healthy development of the virtuous circle of economy and finance.As a financial institution of the government,venture guarantee institutions’ risk management is particularly important.Especially in recent years,China’s economic environment has continued to be unstable,many small and medium-sized enterprises and individual business households have tight capital chain and difficult operation,resulting in a sharp rise in the scale of non-performing loans.More and more small and medium-sized enterprises and individual households seek funding from government guarantee agencies.Venture guarantee institutions are established by the government and its departments.They are specialized institutions that provide credit guarantee services for small and medium-sized enterprises in a market-oriented way,not for profit.The existence of entrepreneurship guarantee institutions not only shares the risks for banks,but also alleviates the financing difficulties of small and medium-sized enterprises and individual households.But at the same time,it also bears a lot of risks.For example,some borrowers have low credit and do not want to repay loans as poverty alleviation funds and relief funds;the internal management of guarantee institutions is not perfect,and the ability of risk identification is not strong,and other factors make the default risk of guarantee loans greater.Therefore,how to identify and deal with the main risks faced by the entrepreneurship guarantee institutions has become a very important issue.Based on the relevant knowledge of risk management,this paper takes L City Venture Loan Guarantee Center as a case to carry out risk management analysis,introduces the basic situation and business process of the unit,collects data through visits,uses AHP to analyze the risks in risk management,and puts forward some suggestions for risk management of the unit.Through the analysis of the unit’s risk management,we can provide practical risk management countermeasures for the unit,improve its risk management ability,make its operation more efficient,better serve the entrepreneurs,so that each guarantee loan can play its due role,so as to reduce the overdue rate and ensure that the guarantee loan is recovered on time and in number.