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Research on Risk Management of Jilin Credit Guarantee Company

Author: WangHongFeng
Tutor: LiuBai
School: Jilin University
Course: Business Administration
Keywords: Credit Guarantee Risk Management Business processes Internal Control
CLC: F832.39
Type: Master's thesis
Year: 2011
Downloads: 231
Quote: 0
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Abstract

Source of credit guarantee industry was born in order to effectively solve the problem of SME financing difficulties, but our current credit environment, guarantees compensation mechanism is not perfect, the credit guarantee industry sales credit, responsibility, while also facing huge operational risks. The level of risk management of the credit guarantee company fundamentally determine the sustainability of its development. This article is for risk management study carried out in this context, and combined with the actual situation of the Credit Guarantee Corporation of Jilin Province, its tailor-made set of scientific and rigorous risk management system, thereby contributing to the Jilin Province guarantee institutions, and even the guarantee industry health development. The first chapter describes the course of development of the domestic and foreign security industry. Foreign security industry after a hundred years of history, originated in Switzerland as early as in 1840, and later expanded to various countries to combine their condition to the establishment of a credit guarantee system for SMEs. Can be divided into three modes, is the government in a dominant position in the SME credit guarantee system. Credit guarantee of the development of the industry a relatively short history, the second issued in 1999 on the establishment of a credit guarantee system for SMEs pilot guidance as a starting point, and all over the country have begun construction, experienced pilot to explore compared with Western developed countries, policy to promote the implementation of the three stages in accordance with the law, the credit guarantee industry in China initially formed. Credit Guarantee Corporation of Jilin Province since it was set up in April 2005, after five years of development by leaps and bounds to become the most complete variety of businesses in the province, the registered capital of the largest branches up to the guarantee company. Chapter II elaborated the concept of risk, summed up the risks are controllable low recourse duality, imbalance characteristics, and their characteristics can be divided into systemic risk and systemic risk, the dominant risk and hidden risks. Found by analyzing the security industry is a highly professional and high-risk industry, this risk is not only from the secured object, but also its own operations and external influences a variety of factors. According to these theories, from the internal and external risks of credit guarantee company in Jilin Province. The third chapter introduces the theory of risk management, which has five specific aspects of risk management, including risk identification, risk estimates, risk assessment, risk control and risk management effectiveness evaluation. The risk management process should establish the correct management philosophy. There are four main ways in dealing with risk, including risk avoidance, risk differentiation, risk transfer and risk retention specific to actual business and risk characteristics to choose. And Credit Guarantee Corporation of Jilin Province article for instance, describes the business processes and risk management structure of the credit guarantee company in Jilin Province, and for the analysis of the current problems. Chapter IV is the central link of this article, the theoretical basis of the multi-level fuzzy comprehensive evaluation model through risk management, quantitative analysis of the guarantee business, scientific and theoretical basis for risk management. Then two aspects from business processes and internal control risk management framework, and finally the introduction of this framework is the specific implementation steps. Chapter by guarantee instance shows the operation of the guarantee business, let us understand the actual guarantee business risk management theory, theory and practice of combining summarize common industrial SME security risk management approach in practice summary. Authors suggest that the higher risk of SME credit guarantee industry, guarantee agencies on the one hand you want to focus on the subject of risk control, improve business processes, strengthen internal management, widening the information resources and adequate human resources; and on the other hand have to object under the guarantee risk integrated design implementation of risk management programs, combined with the case in the practice of this article, the authors recommended to improve risk management of the security industry, should also learn from the advanced experience of international government led to the establishment of risk compensation mechanism to coordinate the relationship of the guarantee institutions and banks, improve enterprise the credit system the legislative norms credit environment.

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