Research On Improvement Of Risk Prevention And Internal Control Management Of TJNY Guarantee Company

With the deepening of China's financial system reform,China's guarantee industry has entered a rapid development stage.In recent years,the government has given strong support to guarantee companies.Through promoting the reform of financial system,the government has strongly supported the development of credit guarantee institutions,making guarantee companies a bridge between enterprises and financial institutions,and providing financing support for enterprises.This is not only an important means to solve the problems of "financing difficulty"and "financing expensive",but also an innovative financial support entity under the new normal situation.Important economic measures are conducive to steady growth,reform,restructuring and the implementation of policies benefiting people's livelihood.But the guarantee industry is a high-risk industry.In recent years,the compensation rate has increased sharply,but the agricultural guarantee company,whose risk is higher than other guarantee companies,is facing huge compensation risk,this requires that both agricultural guarantee companies and general guarantee companies need to develop elaborate risk prevention and internal control management system.In this paper,the TJNY Guarantee Company is selected as the research object by case study.The organizational structure of TJNY Guarantee Company,the institutional framework and implementation status of risk prevention and internal control management,and the post-guarantee supervision of guarantee business are deeply investigated.On the basis of referring to the existing research results and information materials,this paper expounds the general situation of research on internal control management of risk prevention of guarantee companies at home and abroad.Combining with the research results of related theories such as guarantee institutions and internal control theory,this paper explains the problems faced by TJNY guarantee companies in risk prevention and internal control management,and points out that TJNY undertakes the risk prevention and internal control management.The problems existing in the internal control management of risk prevention in insurance companies are discussed from the company level and the business level respectively,and the causes of the problems are pointed out.Finally,aiming at these problems,using the risk control theory of financing guarantee and the internal control method of enterprises,this paper puts forward targeted improvement suggestions and implementation guarantees for the risk prevention and internal control management of TJNY guarantee company,in order to help TJNY guarantee company improve the risk prevention and internal control management,refine the risk evaluation index,and reduce the guarantee compensation rate.Risk control is the core competitiveness of guarantee companies.The innovation of this paper is to establish risk scoring standards and credit rating evaluation standards.By combining the two methods,we can evaluate the pre-guarantee risk of guarantee business.In addition,through the author's multi-party research,combined with TJNY guarantee company's own business characteristics,set up a risk early warning signal and post-guarantee supervision operation guide,through real-time dynamic monitoring to provide post-guarantee risk management for guarantee business.The innovation of this paper lies in the combination of pre-guarantee and post-guarantee internal control risk management,which breaks the disadvantage of guaranty companies that only pay attention to pre-guarantee risk assessment but neglect post-guarantee risk management in the past,and then forms an organic and unified mechanism for risk response of guaranty business,so as to enhance the risk prevention capability of TJNY guaranty company.Efforts should be made to improve the quality of risk internal control management,reduce the compensatory pressure of guarantee business,and promote the enhancement of core competitiveness.It is hoped that this study can provide reference for similar guaiantee companies in risk prevention and internal control management.