In order to solve the ＂three assurance dilemma＂ in our country currently, establishing a unified charge standard of the policy financing guarantee business for the guarantee agencies is one of the methods. The existing literature, whether based on the option pricing technique, value at risk （VAR） credit measurement or the RAROC model, all have ignored the influence of external environment factors of the assurance marketon the pricing. Based on RAROC model, this paper absorbs and draws lessons from the internal conditions and external enviro...
