Study On Loan Guarantee Risk Management Of ZQ Guarantee Company

In recent years,a number of policies to promote entrepreneurship and promote the development of private enterprises to the guarantee company has brought new opportunities for development.However,due to the economic downturn,the macroeconomic downturn led to a decline in the profitability of small and medium-sized enterprises,the level of loan guarantees of guarantee companies to compensate Significantly increased,some data show that in 2017 China’s guarantee industry solvency rate of more than 2%,solvency occurrence leads to the provision of guarantee liability The coverage rate has dropped significantly.Along with China’s economy entering a new normal,small,medium and micro enterprises operating difficulty increased,the new normal for business owners to put forward higher business management Requirements,but also put forward higher requirements for the guarantee company risk management.Guarantee companies need to adapt to the new normal,strengthen risk management,reduce the solvency rate,so as to better solve the problem of financing for small and medium-sized enterprises..How to carry out more effective loan guarantee risk management has become an issue of concern for guarantee companies.After reviewing the relevant industry risk management literature,a specific analysis of the current situation of ZQ Guarantee Company is carried out.Firstly,the current situation of the company is analyzed,ZQ Guarantee Company defines itself as a supporting role in the bank’s credit business,i.e.,ZQ Guarantee Company for The company applying for the loan provides a credit guarantee to assist the applicant company in obtaining the loan.The company’s current loan guarantee incurred one payment in lieu in 2017 and there are a number of overdue transactions to be processed in 2018.An external audit identified that the guarantee balance in 2017 exceeded the cap set by the guaranteeing company.ZQ Guarantee Company is then analyzed in terms of risk identification,risk assessment,and risk response.In terms of risk identification,the business process and loan guarantee risk control ignore its own customer risk characteristics,and due diligence before guaranteeing Focus on risk identification and evaluation of enterprise financial data,ignoring the value of non-financial information,risk identification after the guarantee is set more Weak;risk assessment uses scorecards for credit rating of applicant companies;risk response takes the form of counter-collateral;ZQ guarantee The company failed to build an organizational structure tailored to its business characteristics.Finally,some improvement suggestions were made by drawing on the risk management model of the same industry.This paper mainly draws the following conclusions from the study,risk management of guarantee companies need to pay attention to risk identification,risk identification needs to pay attention to financial Use of information and non-financial information;risk identification needs to be done at three stages of pre-collateral due diligence,before,during and after the guarantee Focus on the creditworthiness and professionalism of the business manager,and the need to monitor the assets after the guarantee,as well as the impact of the economic environment on the business Regular onsite monitoring based on corporate ratings is required.In terms of risk assessment,care should be taken to update the risk assessment model in a timely manner,and the risk assessment should not only pay attention to individual project risks but should also regularly assess the business Total Risk.It is important to use a variety of approaches to risk response at the same time,while taking care to provide regular training to employees.This will play a role in risk management and reduce the rate of compensation for the guarantee company.