Study on the Risk Warning Management of Small and Medium Enterprises Credit Guarantee Institutions
|School||Shandong Agricultural University|
|Keywords||Small and Medium Enterprises Credit Guarantee Institutions Risk Early Warning|
During the current world economic, the survival and development of Small&Mediu-sizeEnterprises (SMEs) is an important part of the national economic. Deficiencies of SMEs andlow credit rating lead to financing difficult becoming a bottleneck factor of restricting thehealthy development of SMEs, this is also a major worldwide problem.Small&Medium-size Enteprises Credit Guarantee (SMECG) as an institutionarrangementbecome an important measure to solve the financing difficulties of SMEs and support thedevelopment of SMEs in every country.However, the SME Credit Guarantee is a recognized high-risk industry, and the level of itsrisk management is the most important factor affecting the survival and sustainabledevelopment. Since2007, under the influenceof the global financial crisis by subprimemortgage crisis of the U.S., the environment for the survival of SMEs become a sharpdeterioration and SMECG institution providing financing guarantee service for SMEs isdifficult to be spared, the task of risk management is more difficult. As warning in leadingposition of risk management, strengthen early warning of risk for the guarantee institutionseven more significant.In this paper, we start studing from the theory of the SME credit guarantee institutions andrisks early warning management, based on the analysis of risk and risk early warning of theSME credit guarantee institutions, focus on the theory of fuzzy risk warning and the basicframework, design the SME Credit Guaranteecompany’s risk early warning managementframework system, introduce the fuzzy risk warning to risk management of SMECG companyfor exploration and research, this is not only enriching and broaden the theoretical value of theapplication in early risks warning, but also has positive and practical significance to promotesustainable development of SMECG company.This article have seven chapters, it can be divided into four parts from a structural point ofview:The first part is the first chapter. In this chapter, we clarify the background andsignificance of the topics, sort out and study the domestic and foreign credit guarantees andrisk theory, and introduce the contents, the main ideas and research methods of this article. The second part includes the II, III and IV chapter. In the second chapter, mainly introducethe related concepts of the SME credit guarantee institutions and its general risk analysis, atthe same time, this provide a basis for building an early warning risk system of SME creditguarantee institutions. In chapter III, we study and analysis on the risk management status ofthe SME credit guarantee institutions in our country. By the manner of sample surveyanalysis,we analysis in-depth risk management status, problems and their causes of SMGCGcompany, laying for the foundation of screening for the risk of early warning indicators ofSME credit guarantee institutions. Chapter IV, using fuzzy mathematics method to buildSMECGC the risk warning model, first we mainly use the Delphi method to filter theindicator system, use AHP Analytical Hierarchy Process to calculate the index weight, andfinally use fuzzy math to calculate the final risk index of credit guarantee institutions.The third part includes the fifth and sixth chapters, which is the empirical part of thisarticle. In chapter5, based on the risk warning model of SMECG institutions in the fourthchapter, we assess the risk of a guarantee agency in Tai’an City, furtherly analysis the potentialrisk factors of this guarantee institutions. In chapter VI, we mainly analysis the risk controlmeasures of SMEs credit guarantee institutions.The forth part is the seventh chapter, we summary the basic view and point out the futureresearch directions.The main innovation in this paper is that introduction the theory of risk warning to theSME credit guarantee institutions and analysis SME credit guarantee institutions’ risk earlywarning from the company’s point of view, meantime we use the more scientific method offuzzy mathapproach.