相对于银行，担保公司的项目质量普遍偏差，因此担保公司需要具备比银行更强的
风险识别、风险管理、风险控制与风险化解能力如何防范、规避和控制风险，在激
烈的市场竞争中生存并做到可持续性发展，是不能回避而且必须面对的问题，而对
于这个问题的思考和回答对担保公司的生存发展具有极其重要的意义。
本文以为中小企业提供融资担保支持的吉林省吉煤担保有限责任公司作为主
要研究对象，在了解担保业务风险管理在国内外研究现状的基础上，从担保业务风
险管理的概念、特征、分类、表现形式和担保业务风险点及表现形式等基础知识入
手，与实际案例分析相结合，详细地描述了担保业务风险管理现状，深入的分析了
吉煤担保公司担保业务风险管理中存在的问题，进而提出了建立科学的担保风险评
价体系；制定科学的尽职调查程序；建立规范的风险补偿机制；建立合理的保后监
管制度；造就高素质的业务团队。
关键词：融资担保公司 风险管理 风险识别 风险控制II
Abstract
With the rapid development of China's market economy, small and medium-sized
enterprises in our country have sprung up in class, how to support the healthy
development of small and medium-sized enterprises, solve the financing difficulties of
small and medium-sized enterprises to become a more urgent task. In order to support the
development of small and medium-sized enterprises, have issued the relevant policies in
our country, at the same time guarantee industry has ushered in the historic opportunity
of development. Guarantee companies as a bridge of banking and corporate finance, can
effectively solve the problem of financing difficulties of small and medium-sized
enterprises, and can effectively reduce the risk of bank, has played a huge role in
supporting the small business development. But guarantee industry is a high-risk industry,
due to the relatively short development time, the lack of historical experience, a lot of
guarantee companies appear risk and has disappeared, so how to guarantee the company's
risk control problems, is a very important and complex problem. Relative to the bank,
guarantee the company's project quality common deviation, thus guarantee companies
need to be stronger than the bank risk identification, risk management, risk control and
risk solving ability how to prevent, avoid and control risk, to survive in the fierce market
competition and achieve sustainable development, is cannot avoid and must face the
problem, and think about this question and answer to guarantee the company's survival
and development has the extremely important significance.
This article thought that small and medium-sized enterprises provide financing
guarantee to support guarantee co., LTD. Jilin ji coal as the main research object, in
understanding guarantee business risk management on the basis of the research status at
home and abroad, from guarantee business risk management concepts, characteristics,
classification, form and guarantee business risk point and form the basic knowledge,
combined with the actual case analysis, a detailed description of the current situation of
guarantee business risk management, in-depth analysis of the financing guarantee
company guarantee business problems in risk management, then puts forward to
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