我国信用担保行业风险预警机制构建研究  

Study on Construction of Risk Warning Mechanism for Credit Guarantee Industry in China

作　　者：尹靖华[1] 曾兴[1] 何敏 

机构地区：[1]攀枝花学院经管学院,四川攀枝花617000 [2]攀枝花商业银行,四川攀枝花617000

出　　处：《征信》2010年第3期30-34,共5页Credit Reference

摘　　要：信用担保机构通过承担企业贷款的违约风险而获得收益,具有高风险性。借鉴金融企业风险预警理论中的"信号灯模型",担保机构可构建其风险预警机制,尽早预测风险,并及时控制风险、转移风险,从而促进担保行业的健康发展。The credit guarantee institutions earn income by assuming the default risks of corporate loans which has high risk. Drawing on ＂Signal model＂ in the financial enterprise risk theory, the security institutions can build their risk warning mechanism, predict risk as soon as possible, and timely control risk and transfer risk, so as to promote the healthy development of the security industry.

关 键 词：信用担保业 违约风险 预警机制 

分 类 号：F830.39[经济管理—金融学]