再议担保业的风险管理

2012年作为“十二五”规划的第二年，中原经济区上升为国家战略，不仅给河南经济的腾飞注入了活力，也为河南金融的发展创造了更多的机会和外部环境。河南省居民在经济发展的过程中积累了大量财富，在全民理财的大环境下，担保理财以低风险、高收益的特点成为居民理财的新热点。然而目前河南省的担保行业监管宽松、违规操作，潜藏着极大的风险，为此也引发了一系列的问题。于是，对担保行业严格监管，进行全面的风险管理已迫在眉睫。

Reconsideration of Risk Management of the Security Industry

2012 as the"12th Five-Year Plan"in second years,area of economy of Central Plains rises for national strategy,not only to the economic growth in Henan has injected vitality,but also for the Henan financial development to create more opportunities and external environment.I save a dweller in the economic development process has accumulated considerable wealth,in national financial environment,guarantee financing with a low risk,high yield characteristics become residents finance new hot.However at present our province security industry regulation,violate compasses operation,hiding tremendous risk,this also caused a series of problems.Therefore,to guarantee strict supervision,to conduct a comprehensive risk management has been imminent.