信用担保方式是国际上解决中小企业融资难的有效途径之一.文章在分析了担保行业、担保企业运作及担保产品特点的基础上,着重从业务规模以及业务规模与组织规模匹配两个方面阐述了担保企业风险控制的原理,并通过揭示单体担保企业在风险控制方面的缺陷,反衬出担保企业集团化的必要性及对于我国担保业发展的重要意义.Credit guarantee is one of the effective ways to solve the international financing difficulty. Based on the analysis of characteristics of the guarantee industry, guarantee enterprise operation and guarantee products, this paper emphatically ex- pounds the risk...