Research On Risk Management Of Guarantee Business Of M Financing Guarantee Company

In recent years,the state attaches great importance to the development of private economy.Due to the high barrier of traditional financial industry,a large number of private capital has flooded into the establishment of local financial organizations.Financing guarantee companies can directly help enterprises to increase credit financing,in the service of the real economy,has been high expectations.The development of domestic financing guarantee industry is not mature,the relevant system is not perfect,coupled with the COVID-19 epidemic and economic downward pressure and other macro environmental factors,leading to the company’s weak risk management ability,poor risk resistance ability and other problems in the process of development,affecting the overall level of industry development.In addition,the financing guarantee industry itself has high risk,how to improve the financing guarantee industry risk management ability has become an urgent problem to be solved.Thesis combined with the supervisory work experience,I choose M melting guarantee co.,LTD as the research object,on the basis of in-depth study of risk management theory,through the questionnaire investigation on the company’s current risk management present situation has carried on the investigation and study to find,using Delphi method to identify the risk list,analytical hierarchy process and fuzzy comprehensive evaluation method to determine weight of risk factors and the level of risk assessment,The risk degree of the company is judged as medium risk,and 10 important risk factors and 5 major risk factors are determined.Finally,four risk management strategy tools are selected to put forward specific measures to strengthen risk management in the stage of pre-guarantee due diligence,decision-making in guarantee and post-guarantee management respectively.Meanwhile,risk protection countermeasures are put forward from the aspects of organization,personnel and information.It is expected that the research of this thesis can effectively improve the risk management level of M Financing Guarantee Company and futher provide effective suggestions for the development of the company.Based on the development status of M Financing guarantee Company and the financing guarantee industry in the province,the thesis can also put forward targeted countermeasures and suggestions from the perspective of regulatory authorities to help the company solve practical difficulties.At the same time,it provides positive experience for other financing guarantee companies to strengthen risk management.