However , there are still some inevitable risks . because of its risk transfer and loss compensation functions , residential mortgage loan insurance can prevent the risks of residential mortgage loan to a certain extent , so its importance has been revealed gradually 个人住房抵押贷款保险因其风险转移和损失赔偿机制在一定程度上可以防范和化解个人住房抵押贷款风险，其重要性随着个人住房抵押贷款业务的发展逐渐为国内各大金融机构(包括保险公司)所认识。
In order to compete with traditional insurance industry and convert risks , western investment banks and insurance companies are actively studying insurance risk securitization , designing and developing risk converting instruments including insurance bonds , insurance derivative products and so on 西方的投资银行、保险公司都在积极研究保险风险证券化,设计开发包括保险债券、保险衍生产品等在内的风险转移工具,来挑战传统的保险业,以达到转移风险的目的。
From the middle - class family perspective , much of this , understandably , looks far less like an opportunity to exercise more financial responsibility , and a good deal more like a frightening acceleration of the wholesale shift of financial risk onto their already overburdened shoulders 从中产阶级家庭的角度来看，不难理解，这在很大程度上看上去不大像是承担更多的经济责任，而更像是加速把大部分的经济风险转移到已经负担过重的肩膀上，这种情况确实让人感到恐惧。
And then this text made the countermeasures of building credit risk management system : the first , good credit culture should be formed to build the cultural foundation of risk management of credit ; secondly , the structure of risk management should be improved to block up the loopholes of current risk supervision mode ; besides , credit collection system should be built as the guarantee because credit measure models needing accurate reliable datum ; most important , to achieve the revolution of credit risk management , credit risk models should be set up ; finally , chinese commercial banks need took measures to manage credit risks , including the adoption of asset securitization and credit derivative securities 最后是打造信用风险工程化管理体系的对策部分：首先是要构建良好的信用文化，打造信用风险管理的文化基础；其次要构建全面的风险管理模式，完善信用流程监控漏洞；同时，度量模型需要准确可靠的数据来源，因此需要完善的征信体系作为保障；最重要的，是建立先进的信用风险模型，实现信用风险量化管理的革命；最后还需要引入多样的风险转移手段，疏通信用风险缓释渠道。
Thirdly , utilizing the five measures of risk control in the risk management methods : risk avoidance and prevention , risk dispersion , risk transferring , risk compensation and risk resistance , it carries out concrete measures of risk management and presents some suggestion to venture capital investment in china . fourthly , by analyzing a case of risk management in a venture capital firm , the reasonability and practicability of the argument in the thesis is empirically verified 第三，结合风险控制的五种方法：风险规避和预防、风险分散、风险转移、风险补偿、风险抑制，提出在风险投资中具体的控制风险的方法和风险管理措施：通过科学的评估决策程序和方法实现对风险的规避和预防，运用组合投资、联合投资等策略分散投资风险；采用合理的分批投资方式以及恰当的和约条款达到对风险投资风险的抑制和转移。
Looking back on the history of chinese housing industry and housing finance , we find out that chinese lagged - development housing finance withholds the development of its housing industry . a secondary market of real estate mortgage loan does not exist in china still , and this restricts banks finance their real estate mortgage loan business , risk diversion is also impossible . with the housing finance underdeveloped , the intent demand cannot turn into effective demand 指出了目前我国住宅产业发展的主要问题是潜在需求难以转化为有效需求，其中一个重要因素是住宅金融发展滞后，缺乏与住宅生产消费快速发展相适应的良好筹资机制，融资来源有限且不稳定，住房抵押贷款缺乏风险转移和分散机制，不利于住宅产业和住宅金融的发展。
The points of total assistant innovation , friendly circumstance and the perfects system of keeping away loan and lend risks , management loan and lend risks , supervision loan and lend risks , deal loan and lend risks , change loan and lend risks , elimination loan and lend risks and the ways of deal with those situations are firstly brought forward by me , likewise , i have attached importance to focus on these aspects in my research time 最后，论文通过对西方国家信贷风险管理的借鉴研究，提出了我国国有商业银行信贷风险管理的整体构想。论文关于抓好综合配套改革，创良好的外部环境及构建起信贷风险的防范机制、信贷风险管理机制、信贷风险的监测机制、信贷风险经营系统、信贷风险转移机制、信贷风险的吸收机制的有机体系及其操作方式，是本人的主要工作所在和创新性工作的体现。
In this way the prevailing phenomenon - getting bid by low price and gaining profit by claim - can be successfully explained from the theoretical point of view . 2 , the risks and characteristics of lmee are systematically studied . from the employer ' s point of view , the risks of lmee are analyzed 2 、系统地研究了大型机电工程项目的风险及其特点；从业主的角度揭示了大型机电工程项目的风险情况并进行了具体的风险分析，探讨了业主分析处理风险方法，提出了基于风险转移的索赔理论和业主潜在风险的概念，给出了业主进行风险管理的动态控制模型。
