| All industries that survive in the market economy have to go through the periodic adjustment stage,which is a necessary answer sheet to be filled in in the growth of the industry,and it is a reality that they must face whether they are willing or not.The young China guarantee industry started from the end of the last world and has gone through a short-term entrepreneurial stage.During the trip,we can easily find that guarantee is an industry that shares weal and woe with the destiny of the country and the national economy,and has distinctive characteristics of the times.In the period of rapid economic development,the guarantee industry has less compensation and low risk.However,under the background that the world economic recovery is difficult and tortuous and the domestic economy is facing downward pressure,the credit risk of the guarantee industry is gradually highlighted.For Gansu,where finance is underdeveloped,the probability of corporate credit risk is higher.As a risk management industry,guarantee abides by credit and manages risks.One of the important factors that affect the high-quality and healthy development of financing guarantee companies is whether they can do a good job in credit risk management.The core competitiveness of guarantee institutions mainly lies in risk control technology to control and reduce risks.In the stage of rapid economic development,the bank guarantee system in Gansu Province has been committed to the growth of the guarantee business scale,but the construction of the guarantee risk prevention and control system has not been put in place in time,so the hidden dangers of guarantee risks have gradually emerged in recent years,and the guarantee institutions can only be recognized by the society for a long time if they play the role of "decentralized risk reduction" in the financial system of social capital distribution.Zhongqi Guarantee Company was founded in 2004.As an earlier financing guarantee company,Zhongqi Guarantee has rich business experience but high compensation rate and poor risk control.In this paper,by studying the important and prominent credit risks in the common risks of business processes of Zhongqi guarantee company,and through the author’s personal experience and experience summary in management positions,the problems existing in credit risk prevention and control of Zhongqi guarantee company are summarized,and at the same time,combined with the practices and experiences of other financing guarantee institutions in the industry in credit risk management,the optimization suggestions for credit risk management of Zhongqi guarantee company are put forward.In this paper,the methods of literature study,case analysis and empirical analysis are adopted.Taking the business process of Zhongqi Guarantee as the main line,the current risk management status of the company in the three links of risk identification,risk assessment and risk response is expounded,and the existing problems are analyzed respectively.Through investigation and empirical analysis,according to its possible occurrence probability and loss degree,the risk matrix method is adopted to classify it according to tolerable risk,acceptable risk,important risk and catastrophic risk.According to the empirical analysis and investigation results,there are factors that may lead to catastrophic risks in the risk identification,evaluation and response of Zhongqi Guarantee Company,so it is really necessary to optimize the company’s credit risk management process.Finally,this paper puts forward some suggestions to optimize the credit risk management process of Zhongqi Guarantee Company from four aspects: system management,risk identification,risk assessment and risk response,hoping to help the company solve the problems existing in credit risk management,improve its credit risk management ability,ensure the healthy development of the company and provide continuous support for the development of small and micro enterprises in Gansu. |
PDF Full Text Request