How do guarantee companies prevent and control risks?

As long as any guarantee company conducts business, it will be accompanied by various operational risks. Business risk and business development are a pair of unavoidable contradictions, but we can control business risk as low as possible in risk prevention and control to create corporate profits. How do guarantee companies control business risks? In this issue, the CEOs of two guarantee companies visited the "guarantee meeting room" to talk about the risk prevention of guarantee companies. Focus 1: In daily operation, how should a guarantee company establish and implement a business risk prevention and control system? In the process of developing business, guarantee companies must strictly strengthen risk control. I think we might as well start from these aspects. First of all, seriously adhere to the system, standardize the implementation of operational behavior. In the process of expanding business, any company must conscientiously abide by the work system formulated by the enterprise, strictly carry out project investigation, analysis and screening, control business risks, and earnestly adhere to the investigation system, preliminary examination system, collective decision-making system and lawyer review system; Secondly, strengthen business study and establish a sense of prevention; Finally, do a good job in risk assessment and grasp the development opportunities. This requires that the guarantee company should first do a good job in the guarantee business and pay close attention to management in operation. On the premise of increasing benefits, various risk reserves will be drawn according to the prescribed proportion to enhance the ability to resist risks and ensure sustainable development. As far as the current situation of provincial capital guarantee institutions is concerned, the business operation of many guarantee institutions is not very standardized. In the face of possible losses, the guarantee company has an imbalance between risk and income. To prevent risks, I think we might as well start from three aspects: people, system, refined business operation process and diversified risk reduction means. The first is the problem of personnel training and personnel structure. Talent training is an aspect that most guarantee companies pay more and more attention to. Similarly, the composition and proportion of personnel structure are also very important. In addition, from the business operation process, the guarantee company must be accurate to every point from project establishment to business safety recovery. At the same time, improve various risk control measures and business operation requirements such as internal control and external defense, use diversified means to control risks, expand the coverage of risk prevention, and resolve possible risk points. Focus 2: Risk prevention and control needs the joint efforts of many links. What is the focus of business risk prevention and control of guarantee companies? The key point of business risk prevention and control lies in the source of business, namely the enterprise itself. Therefore, the management ability and anti-risk ability of enterprises are the most concerned issues of guarantee companies. Some enterprises can provide sufficient collateral, but their main business is not prominent in the industry, so the profitability of enterprises is debatable. In addition, the anti-risk ability of enterprises is also the focus of our attention, such as asset scale, debt structure, sales channels and so on. Guarantee companies should not only play the role of "blood transfusion" for enterprises, but also teach enterprises to "make blood". Guarantee companies should pay attention to cultivating core partners. Through the long-term support of the guarantee company, small and medium-sized enterprises can "graduate" and grow, which is conducive to the social benefits of guarantee. At the same time, it is also conducive to the prevention of risks and the improvement of profitability-because for enterprises supported or concerned by a guarantee institution for a long time, when preventing risks, they can better understand the source of enterprise risks, thus facilitating control. When examining the qualification of the financing party, it is not just a point to decide whether to pass the loan review, but a comprehensive consideration in many aspects. In every guarantee business, the guarantee company should first pay attention to the repayment source of users, followed by the status of collateral. As long as the source of repayment is clear, the mortgage interest rate can be relatively flexible.