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随着企业的发展,很多企业在发展过程遇到资金瓶颈这便需要企业不断进行融资,而对企业融资进行担保则是为了保障受保企业能够按时还款,如果受保企业出现无力偿还情况时,则由担保企业来偿还,降低银行所承担的风险,由此形成融资担保这一行业。从该行业本身所具有的特点来看,其具有较高的风险,如果不能够对此风险进行控制,将会严重影响担保行业的发展。在这种情况下,本文就中小企业融资担保风险的具体情况进行探讨,了解风险控制在融资担保上所具有的重要作用,然后探讨其得以实现的有效途径,从而降低担保企业发生风险的概率。
With the development of enterprises, many enterprises encounter financial bottlenecks in the development process, which requires enterprises to continue to finance, and corporate finance is guaranteed in order to ensure insured business can repay on time, if insured business in the event of insolvency , The guarantee company will repay the loan and reduce the risk borne by the bank, thereby forming the industry of financing guarantee. From the characteristics of the industry itself has a high risk, if not able to control the risk, will seriously affect the development of the guarantee industry. Under such circumstance, the paper discusses the specific circumstances of SME financing guarantee risk, understands the important role of risk control in financing guarantee, and then explores the effective ways to achieve it so as to reduce the probability of risk in guarantee companies.