Asfor the whole risk of SMECG, the paper sets forth the method of capital abundancerate which comes from The New Basel Agreement, and try to control the rate into thesafe scale through risk decentralization and compensation.

• 在担保机构的整体风险控制方面,论文利用新巴塞尔协议的关于商业银行风险管理思想,建立了担保机构资本充足率的计算方法,并从分散风险和风险准备金两个方面考虑来控制担保机构的资本充足率水平。