Starting from the perspectives of economics and the reality in our country , the paper illustrates the necessary existence of credit guarantee institution for medium & small - sized enterprise and emphasizes its functions such as revising asymmetric market information , facilitating the implementation of macro - economic policies and perfecting credit economy etc . it focuses on analyzing how the operational process of guarantee institution handles the relationship between enterprise and bank and forwards four methods to precaution against risks for the guaranteed , guarantee institution itself and bank respectively , i . e . finding the breaking point , carrying out guarantee and venture investment meanwhile , enhancing anti - guarantee measure and sharing risks with bank etc . following above , it puts forward improving operating model of oriental wisdom guarantee co . limited 本文从经济学的角度以及我国的现实出发，阐述了中小企业信用担保机构存在的必要性，强调了它在修正市场信息不对称状态、促进宏观经济政策的实施、完善信用经济等方面的作用。论文的核心是对担保机构在运作流程中如何处理与企业、银行的关系进行了研究，并分别从针对担保对象、自身和银行的角度提出了四种防范风险的方法，即寻找切入点、担保与风险投资并行、加强反担保措施以及与银行共担风险。据此对中科智信用担保有限公司的运作模式提出了改进意见。
Article 2 the partnership referred to herein shall mean a for - profit association established within china in accordance herewith pursuant to the partnership agreement concluded by all the partners , whereby the partners jointly contribute capital , jointly operate the business , jointly share in the incomes and the risks , and are jointly and severally liable for the debts of the partnership 第二条本法所称合伙企业，是指依照本法在中国境内设立的由各合伙人订立合伙协议，共同出资、合伙经营、共享收益、共担风险，并对合伙企业债务承担无限连带责任的营利性组织。
This alliance discussing in this thesis is a new pattern in logistics enterprise , it has the following characteristics : sharing the same resource and risk , increasing the service level of personality and specialization , raising the loyalty of customer and reduce the cost of transaction . thus such pattern is sure to be an important one during the process of our tpl ' s development 同时，提出了这是一种新型战略联盟的模式，它不仅具有一般战略联盟资源共享，共担风险的特征，更重要的是这种新型的战略联盟关系是物流企业与货主企业特有的，它还具有规避物流外包的风险、提高个性化和专业化服务、提高客户忠诚度，降低交易成本等优势。
Sino - overseas joint venture enterprises are ones in which overseas companies , enterprises and financial entities or individuals join hands with their chinese counterparts to invest , administrate benefit and shoulder risks of their joint holdings with limited responsibilities . all investing parties must put in their share of money in accordance with a certain percentage of the total registered capital and hence benefit from revenue and dividends or shoulder risks and losses 是由外国公司企业和其他经济组织或个人，同中国的公司企业或其他经济组织，在中国境内共同投资共同经营共享利润共担风险的股权式有限责任公司，投资各方按注册资本投资比例股权分享利润和分担风险及亏损。
