新常态下担保公司应收担保费风险识别与控制探讨

Discussion on Risk Identification and Control of Receivable Guarantee Fee of Guarantee Company under The New Normal

经济发展新常态下"大众创业、万众创新"政策的出台给担保公司业务发展带来了机遇,但同时担保行业市场竞争加剧、企业经济运行下行压力加大又给担保公司应收担保费带来了风险,主要表现在应收担保费居高不下、应收担保费不入账、违规冲减应收担保费、虚挂应收担保费、坏账准备计提和核销不合规。为此,应建立客户资信管理制度,加强事前风险控制;完善内部管理规章制度,强化事中控制;建立应收担保费责任人制度,完善事后控制;积极推进"见费出单";引入"大数据"分析方法;加强对应收担保费的现场检查。

Under The New Normal, the policy of ＂Mass Entrepreneurship, Mass Innovation＂ brings new opportunities for the de- velopment of guarantee companies. However, the intense competition in the guarantee market and the economic depression bring risks in the receivable guarantee fee to guarantee companies, mainly in the high level of receivable guarantee fee, the unrecorded receivable guarantee fee, the illegal reduction of receivable guarantee fee, the virtual receivable guarantee fee, the irregular provision for bad debts and the cancel after verification. Therefore, guarantee companies should establish clients credit management system and enhance pre -event risk control; perfect internal management rules and regulations, strengthen event control; establish responsible person system ; strengthen post - event control; actively promote the ＂contract signed upon receiving guarantee fee＂ ; introduce ＂big data＂ analysis method and strengthen on - site inspection for the receivable guarantee fee.