Research On Guarantee Risk Management Of TJ Agriculture Guarantee Company

In order to create new ways of financial support for agriculture,to increase the effect of financial support for agriculture,to guide more financial capital into agriculture,and to solve the problem of "difficult financing" and "expensive financing" in agriculture,the state has issued a number of policy documents since 2015,and initiated the construction of a national system of agricultural guarantee.The service direction focuses on the small and micro agricultural business entities.In accordance with the requirements of the document,the earlier provincial farm guarantee company began to transform the guarantee business.Some provincial farm guarantee company exposed more risks during the transition period and faced great risk management pressure.Risk management is the lifeline of the guarantee company.The success or failure of agricultural guarantee risk management is not only related to the survival and development of the provincial agricultural guarantee company,but also an important basis for evaluating the effect of agricultural guarantee policy.In order to promote the sustainable and healthy development of the National farm guarantee system,the State Agricultural Credit Guarantee Alliance Co,LTD pays close attention to the guarantee risk management situation of the provincial farm guarantee company,and continuously improves the risk management evaluation system of the National farm guarantee system.This paper takes TJ Agricultural Guarantee company as an example to study the problem of guarantee risk management in provincial farm guarantee company during the transition period.On the basis of combing up the theory of guarantee risk management and the risk management situation of the National farm guarantee system,starting from the changes in the risk management indicators of the provincial farm guarantee companies,we will find out the main factors that cause the changes in risk management indicators.This paper analyzes the specific problems in the guarantee risk management of the provincial farm guarantee company and puts forward some suggestions for improving the guarantee risk management.Through the analysis of this paper,we can draw a conclusion: risk management policy should maintain uniformity and stability;development can gain time and space for risk resolution and is the best way to solve the problem;successful risk management should reduce management costs;multiple risk strategies should be used comprehensively to reduce the overall risk level.As an earlier provincial farm guarantee company,TJ farm guarantee company's risk management issues during the transition period are representative.To study the risk management of TJ farm guarantee company is helpful to solve the risk management problems of provincial farm guarantee company,and to further improve the risk management model of agricultural credit guarantee.