Research On Business Risk Management Of LX Financing Guarantee Company

As a bridge between small,medium and micro enterprises and banks,financing guarantee companies can solve the financing difficulties of small,medium and micro enterprises and promote the economic development of the whole society.Although financing guarantee in China started late,but development is rapid,the business scope and level are widely expanding,because in recent years by epidemic factors and domestic security industry "quality" reducing the influence of external factors,such as financing guarantee institutions to internal risk control,stability compensation rate,accurate identification of business risks,improve risk management capabilities.Papers to LX financing guarantee companies as the main research object,based on the information asymmetry theory,transaction cost theory,theory of internal control and risk evaluation theory,combined with the practice experience,use the case analysis method and AHP,entropy weight method from LX financing guarantee company business process,evaluation mechanism,the organizational structure and customer evaluation system is analyzed,Found the risk assessment is not standard,business concentration is too high,the loopholes in the business process,customer risk assessment is not scientific,the problem such as risk control measures is not comprehensive,and risk evaluation system is optimized for customers,using the company retained files and real data,in case the application of the optimized compensatory risk assessment system,and the original of the results of the comparison,It is found that the optimized evaluation system can identify risks effectively.Finally,in view of the main shortcomings of LX financing guarantee company’s risk management,this paper puts forward some suggestions on strengthening risk concept,perfecting rules and regulations,controlling the whole process,strengthening team building,collecting information in an allround way,resolving compensation,integrating into the sharing system and reducing business concentration.By optimizing the original customer risk assessment system of LX Financing guarantee Company and taking specific measures to improve the existing risk problems of LX Financing guarantee Company as the entry point,this paper hopes to help the risk n control status of LX financing guarantee company,enable it to develop steadily and better serve the financing of small and medium-sized enterprises.