担保公司的风险类型与基本管理策略

On Risk Type and Basic Management Strategy of Guarantee Company

担保公司风险具有一定的复杂性、被动性、渗透性与自担性。为此,必须制定匹配性的风险管理战略;营造全员性的风险管理文化;组建全方位的风险管理组织;实施全程化的风险管理流程;运用全新化的风险管理方法;实行综合化的风险管理策略;执行分类化的风险管理模式等对策以保证担保公司长期可持续的稳定发展。

Chinese guarantee industry has become an important tool to solve the difficult problem of SME financing. Due to the industry internal property and the complex external environment, the guarantee company＇s individual operational risk gradually highlighted.Enhanced risk management of guarantee company has become a focus work for all kinds of supervisory and an important strategy for guarantee company to continued survival and development in a competitive market. And the key is to understand the type, features and causes of risk, propose the basic management strategies on the basis of the above understanding, furthermore, to promote risk management of guarantee company to the whole countrv.