摘 要
声誉风险被各家金融机构列为必须妥善处理的重大风险之一，那么具体到
我国融资性担保公司，重要性不言而喻，在当前我国融资性担保公司声誉风险
事件频发的情况下，本文指出了我国融资性担保公司声誉风险现状和存在的自
身在声誉风险方面管理不足、对声誉风险识别和估计不足、没有战略规划和行
业内的事件频发等问题。对于当前存在的问题，防范和化解我国融资性担保公
司声誉风险更显重要。本文把影响声誉风险的因素分为内部因素和外部因素，
内部因素就是融资性担保公司自身可以解决的因素，包括管理水平不高或管理
不当、违法违规事件、员工道德风险和经营规模、收入和利润，外部因素就是
融资性担保公司自身无法解决的因素，包括金融环境、信用环境、法律环境、
中介服务体系、公众风险意识、监管措施等。

在分析内部和外部影响因素上，本文通过分析总结近几年我国发生的典型
的担保事件和对我国金融经济产生严重冲击的并对我国融资性担保业声誉风险
具有很强负面影响的行为和案件，分析得出法律法规不完善和监管不足、违法
违纪事件、人员素质影响着融资性担保公司的声誉风险的内部因素和我国融资
性担保公司声誉风险防御体系、外部信用环境、金融环境和政府监管及公众风
险意识和中介机构是影响我国融资性担保公司声誉风险的重要外部因素。对此，
最后本文提出解决我国融资性担保公司声誉风险问题的政策建议，包括构建声
誉风险的管理机制、风险防范体系、风险管理体系、应急机制、公关管理和完
善信用体系、法律体系、外部评级体系、风险监管机制等。…
关键词：融资性担保公司 声誉风险 案例分析 影响因素 政策建议Abstract
Abstract
Reputation risk has been included in various financial institutions must properly
deal with one of the major risks, so specific to the financing guarantee companies in
our country, the importance is self-evident, in the current our country financing
guarantee companies under the condition of frequent reputation risk events, this
article points out the financing guarantee company reputation risk present situation
and the existence of its own in terms of reputation risk management is insufficient,
the reputational risk recognition and estimate shortage, no strategic planning and
frequent events within the industry. For the current existing problems, and to guard
against and defuse the financing guarantee company reputation risk is more
important. In this paper, the factors that affect reputation risk is divided into internal
factors and external factors and internal factors is a financing guarantee company
can solve the factors, including the management level is not high or mismanagement,
illegal events, employee moral risk and scale of operation, revenue and profit,
external factor is the financing guarantee company cannot solve itself factors,
including the financial environment, credit environment, legal environment,
intermediary service system, the public's awareness of risk, regulatory measures, etc.
On the analysis of internal and external factors, this paper based on the analysis
summary the typical security events that took place in China in recent years and have
serious impact on the economy of our country financial and reputational risks of
financing assurance in China has a strong negative impact on the behavior and case,
analysis the imperfection of laws and regulations, and lack of regulation, violations
events, personnel quality affects the reputation of the financing guarantee companies
risk internal factors and the financing guarantee company reputation risk defense
system, external credit environment, financial environment and the government
regulation and public risk consciousness and intermediary organizations is influence
our country the important external financing guarantee company reputation risk
factors. To this, at the end of the paper put forward the solve the problem of
financing guarantee companies reputation risk policy recommendations, including