JS Guarantee Company Secondary Stage Guarantee Risk Managemengt Research

Since the reform and opening up,the financing guarantee industry,as an effective auxiliary means of financial management,has played a positive and significant financial role in the development of financial market.From the background of the establishment of guarantee institutions in China,it can be divided into: policy guarantee institutions and private guarantee institutions.In recent years,private guarantee institutions are facing difficulties in operation.Under the squeeze of the natural competitive advantages of stateowned guarantee institutions,delisting,transformation and seeking other ways have become the current situation that a large number of private guarantee institutions all over the country have to face.In view of the difficulties of shrinking business volume,difficult to obtain customers,low guarantee fee and rising compensation rate,private guarantee institutions fall into a protracted war of operating difficulties.Taking the phased guarantee business of second-hand housing of JS guarantee company,a private guarantee institution,as the main research object,this paper analyzes the current situation and industry background of the enterprise by using the theory of five basic competitive forces,and based on the relevant risk management theory,through the effective risk identification of external and internal risks,from the aspects of risk management system,credit identification system Conduct a comprehensive risk assessment in four aspects: project approval system and operation mode.Targeted risk management optimization strategies are proposed for the identified and evaluated risks.Through a comprehensive study on the phased guarantee business of second-hand houses of JS guarantee company,I hope to effectively improve the enterprise’s risk control management level,optimize the risk management system and establish a more effective approval mechanism.At the same time,by studying the phased guarantee business of second-hand housing innovated by JS guarantee company,it not only improves the market competitiveness of the enterprise itself and brings a development outlet,but also adds a new guarantee business variety with wide market demand,guarantee risk points and people-friendly benefits to the guarantee industry,which provides strong financial product support for all kinds of needs in China’s second-hand housing transactions.At the same time,the guarantee business also fills the gap in the lack of banking products,solves various problems in social subjects,serves local finance and standardizes market behavior.This paper also hopes to provide some reference for other private guarantee companies,copy the guarantee mode and risk control measures of JS guarantee company to other regions,solve the actual needs of various subjects in second-hand housing transactions,and drive the vigorous development of local economy.