保证作为一种广泛运用的贷款担保方式,在业务发展和业务竞争中发挥了积极作用,但由于保证贷款本身的特殊性及经济环境的复杂性,导致其频频出现风险,且受偿情况并不理想。笔者认为有必要对保证贷款风险问题进行重新审视。1.保证贷款的风险要素。一是客户群的特殊性。保证贷款风险掌控难度大,既有来自借款人本身的风险,又有来自保证人的经营风险,而后者往往容易被忽视。二是经济环境的复杂性。当前许多企业财务制度不规范、财务信息不透明,加之民间借贷的 As a widely used loan guarantee, pledge plays an active role in business development and business competition. However, due to the particularity of the guarantee loan itself and the complexity of the economic environment, it leads to frequent risks and the compensation is not ideal. I think it is necessary to re-examine the issue of guaranteeing loan risk. 1. Guarantee risk elements of the loan. First, the special nature of the customer base. It is very difficult to control the risk of the loan, both from the risk of the borrower itself and from the guarantor’s operating risk, which is often easily overlooked. Second, the complexity of the economic environment. Many current corporate financial system is not standardized, opaque financial information, combined with private lending