Research On Internal Risk Control Of QX Guarantee Company

Guarantee companies face various risks due to their business characteristics,and the internal risk control system is a key factor in the operation of guarantee companies.In order to ensure the development and operation of the guarantee company,it is necessary to establish a sound internal risk control system.Therefore,the guarantee company should strengthen its internal risk control and institutional construction.This article covers six aspects.The first part is the research background and significance,research objectives and content,research methods and ideas,main innovations and shortcomings.The second part is a literature review at home and abroad,as well as relevant theories including internal risk control theory,credit transaction cost guarantee theory,and relational loan guarantee theory.The third part provides a brief introduction to the organizational structure and operational situation of QX Guarantee Company,as well as a detailed introduction to the internal risk control status of QX Guarantee Company.The fourth part analyzes the problems in internal risk control of QX Guarantee Company,pointing out its imperfect internal risk control environment,low quality of internal risk control,low level of risk management,and inadequate internal supervision and execution.The fifth part is the design of improving the internal risk control system of QX Guarantee Company,which includes building a sound risk control environment,clarifying division of labor and strengthening review quality,improving risk management level,improving supervision mechanism,and improving execution ability.The sixth part suggests that the first step is to add an independent audit department to the company structure,strengthening internal risk control and project review capabilities.The second is to strengthen risk management training and improve employees’ moral hazard awareness,risk management professional level and professional quality.Once again,it is necessary to strengthen the independence and authenticity of the investigation into the guarantee business,develop various approval procedures based on the characteristics and amounts of its guarantee business,and increase risk handling mechanisms.Finally,it is necessary to improve the internal information and communication mechanism of QX Company and strengthen risk monitoring and execution.This article aims to use QX Guarantee Company as an example to study the problems in internal risk control of QX Guarantee Company through on-site research,investigation visits,and in-depth discussions.Furthermore,the analysis of the reasons for the internal risk control of QX Guarantee Company clarifies the relevant issues in the internal risk control environment of QX Guarantee Company.Then propose improvement measures based on the cause of the problem,and then propose a comprehensive risk management system.This study believes that a comprehensive risk management system can play a role in improving its internal risk control environment,improving the quality of internal risk control activities,improving information and communication mechanisms,and strengthening monitoring and internal auditing.This study provides specific improvement suggestions and a design plan for improving internal risk control,in order to provide theoretical support for internal risk control of QX Guarantee Company and provide reference for practical operations.To help QX guarantee company better control risks.At the same time,it can also provide reference for the construction of internal risk control systems for similar enterprises.