Research On Risk Prevention Of Financing Guarantee Business Of HT Guarantee Company

In recent years,while small and medium-sized enterprises have become the main force of economic development,’ financing difficulty and financing cost ’ have always restricted the rapid development of enterprises.In this context,financing guarantee institutions came into being,which not only magnified the credit of enterprises,but also transferred the credit risk that banks were unwilling to bear.With the development of social economy and policy support,the number of guarantee companies is increasing,but still belongs to the new industry.The characteristics of risk assessment and the reasons of imperfect industry system lead to the increasing compensation rate of China ’ s financing guarantee industry.In this new situation,the financing guarantee companies should not only develop,but also control risks to avoid compensation,so their own risk management of financing guarantee business is particularly important.The HT Guarantee Company selected in this paper is a state-owned financing guarantee company in Shaanxi Province,which is mainly based on policy financing guarantee business.Firstly,based on the concepts of risk management and financing guarantee risk,this paper analyzes the development process,development status and risk management of China ’s guarantee companies,and reviews the risk management at home and abroad.Secondly,combined with the actual situation of HT guarantee company ’s financing guarantee business,this paper analyzes the operation status of HT guarantee company and the risk management status of financing guarantee business,focuses on the identification of the company ’s risk management factors,points out the main causes of its risk management,and uses AHP to evaluate the risk factors of the company ’s business.It is concluded that HT company ’s guarantee business has higher risks and more potential risks.The company needs to improve the risk management model;finally,the comprehensive risk management of HT guarantee company ’s financing guarantee business is optimized,and the actual situation of the enterprise is pointed out that the enterprise can make improvements in risk control and prevention.Through the above research,the purpose is to further improve the HT Guarantee Corporation financing guarantee business risk management system.We hope to provide some constructive countermeasures and suggestions for the risk management of HT guarantee company ’s financing guarantee business.