How to draw lessons from the credit risk management method of the advanced Banks, promote the management level of loan credit risk of the city commercial Banks, is a arduous mission that we face.

如何借鉴国际银行界先进的信用风险管理方法并运用于我国城市商业银行的风险管理，提升我国城市商业银行的贷款信用风险管理水平，是我们面临的艰巨任务。

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Study on the current guarantee situation of Hefei city, Lower registered capital and weaker risk management capacity is a common problem of the small-medium credit guarantee enterprise.

从合肥市的担保现状看，注册资本较少，风险经营能力弱是目前合肥市一些中小型担保公司普遍存在的问题。

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