MBA教育中心知识库

融资担保公司通过对中小企业融资进行增信，与银行等金融机构进行风险分担，是服务中小企业与金融机构之间的桥梁。但理论与实践均表明中小企业融资担保业务具有高风险、低收益等特征，融资担保公司往往缺乏稳定可靠的盈利模式，依靠单纯开展融资担保业务难以生存，因此加强风险管理，向风控要效益，是融资担保机构普遍采取的经营思路。

濉溪县金茂融资担保公司为国有全资背景政府性融资担保公司，是安徽省财政厅公布的首批政府性融资担保机构。公司始终坚持政府性融资担保机构的准公共产品定位，在服务企业发展等方面做出了力所能及的贡献，有效解决中小企业运营中融资难题。本文认真分析了濉溪县金茂融资担保公司各项风险管理制度以及现有的担保案例，发现该公司风险管理意识还较弱、业务流程不够规范、银担关系失衡、人才供需难以匹配、业绩考核机制还不够完善、缺乏信息管理系统，这些问题需要依靠信息技术提高风险防控体系管理水平、提高担保从业人员职业能力、减少业务集中度、创新业务模式等方面进行解决，进而提高公司风险控制能力，促进其实现健康、稳定发展。

Financing guarantee companies serve as a bridge between small and medium-sized enterprises and financial institutions by increasing their credit and sharing risks with financial institutions such as banks. However, both theory and practice have shown that the financing guarantee business of small and medium-sized enterprises has the characteristics of high risk and low income. Financing guarantee companies often lack stable and reliable profit models, and it is difficult to survive relying solely on carrying out financing guarantee business. Therefore, strengthening risk management and seeking benefits from risk control are commonly adopted by financing guarantee institutions.

Suixi County Jinmao Financing Guarantee Company is a state-owned wholly-owned background government financing guarantee company, and is one of the first batch of government financing guarantee institutions announced by the Anhui Provincial Department of Finance. The company has always adhered to the quasi public product positioning of government financing guarantee institutions, and has made contributions within its capabilities in serving the development of enterprises, effectively solving financing problems in the operation of small and medium-sized enterprises. This article carefully analyzes various risk management systems and existing guarantee cases of Suixi County Jinmao Financing Guarantee Company, and finds that the company's risk management awareness is still weak, business processes are not standardized, the relationship between banks and insurers is unbalanced, talent supply and demand is difficult to match, performance evaluation mechanism is not yet perfect, and there is a lack of information management systems. These issues require relying on information technology to improve the management level of the risk prevention and control system Improve the professional ability of guarantee practitioners, reduce business concentration, innovate business models, and other aspects to solve, thereby improving the company's risk control ability, and promoting its healthy and stable development.