摘 要
我国经济自改革开放以来，实现了飞速发展，这在一定程度上促进了我国商业银行的快
速发展。随着国外商业银行纷纷进入国内市场，以及国内商业银行股份制改造的完成，这些
内外因素从不同程度上加快和促进了我国银欧亿·体育（中国）有限公司的高速发展，大大推动了我国现代企业的发
展。而我国商业银行的快速发展离不开它的主营业务——商业信贷。过去十年中，我国商业
银行的贷款业务尤其是担保贷款业务有了质的飞跃，但是在信贷机制和信贷监管上仍然存在
着很多问题，而银欧亿·体育（中国）有限公司应高度正视这些问题，否则将对业务发展产生及其不利的影响
所谓贷款担保是指银行发放贷款时，要求借款人提供担保，以保障贷款债权实现的法律
行为。贷款担保方式有保证、抵押、质押等。贷款担保是银行收回贷款的第二来源，是银行
控制信贷风险的基础和保障。担保保证能够有效地降低银行的坏账率和不良贷款率，但实际
上贷款担保很难真正发挥担保作用，以致对商业银行造成了大量的呆账和坏账，这是担保风
险管理上普遍存在的问题。本文以此为基础，对农业银行的信贷担保风险进行了深层次的探
讨，希望能够发掘出对商业银行贷款担保风险管理具有借鉴意义的方法和措施
本文第一部分对选题的背景、意义、目的，以及研究方法等进行了简单阐述；第二部分
对国内外在商业银行贷款担保领域内的理论研究进行了论述和比较；第三部分对我国商业银
行贷款担保方面存在的问题进行了探讨；第四部分深入分析了中国农业银行浙江省分行在贷
款担保业务中面临的问题和风险，并提出了解决问题及风险控制的方案，以期促进中国农业
银行担保贷款业务更好更快地发展；文章最后对全文予以总结和展望
关键词：中国农业银行；贷款担保风险；风险控制
Abstract
Our national economy develops rapidly after the policy of reformation and opening has been
carried out. This is some extent attributed to the fast growth of our commercial banks. As the foreign
banks joins in and the domestic ones reform enterprise through stock system, the development of our
banks has been boosted in high speed, which also largely promotes the growth of our modern
enterprise. What’s more, the primary business-commercial credit contributes to the fast growth of our
commercial banks. In the past decade our commercial banks has a qualitative leap, especially in
secured loan business. But still there exists many problems in credit mechanism and supervision,
which should be highly paid attention to. Otherwise, this will cause adverse impact on the growth of
the business.
The so-called loan guarantee means that when the banks release the loan, the applicant is
required to offer the guarantee, so that creditor’s right is ensured by laws. The ways to secure the loan
include ensure, mortgage, pledge and so on. Mortgage is the second largest source of income in loan
recall. It is also the base and safeguard to control the risk of credit loan. Surety-bond can reduce the
rate of bad and adversely classified debts efficiently. However, loan guarantees can’t work in correct
way. This causes a large amount of bad and adversely debt, which is due to the flaw in the control of
loan guarantees. This paper illustrates deeply the control of loan guarantees in Agricultural Bank of
China, and it also tries to seek the solutions and suggestive measures to control the risk of loan
guarantees.
The first part of this paper states the background, definition, purpose and research methods. The
second part expounds the theories and research methods in the area of load guarantee in domestic
and foreign commercial bank. The third part exposes the problems in the area of loan guarantee. The
forth part analyzes deeply the problems and the risk which the Zhejiang Province branch of ABC
now is facing. And in order to contribute the fine and fast growth of the Loan guarantee business for
ABC, it also proposes the solutions to solve the problems and control the risk. In the last part it
makes conclusion and unfolds the expectation for future.
Key words: Agricultural Bank of China，the risk of loan guarantees，control of risk