Because of the existence of the credit risk , we must establish the system to avoid it . the rating systemu system of information disclosure and system of insurance on bonds are included in the system 市政债券也存在着信用风险，我国要建立包括信用评级制度、信息披露制度和债券保险制度在内的风险防范机制。
There are supporting views from district council members , the industry , professional institutes , and academics , to introduce a voluntary building classification system preferably to be administered by an independent agent 有区议员、业界、专业学会及学者支持引入自愿楼宇评级制度，并认为应交由独立机构管理。
They shall establish and improve a credit rating system for guarantee agencies , encourage them to undergo the credit rating with qualified rating institutions and make the result of credit rating to the public 要建立健全担保机构的信用评级制度，督促担保机构到有资质的评级机构进行信用评级，并将信用等级向社会公布。
In june 2004 , bd consulted the industry building professionals , property developers , bankers , insurers , property managers , registered building contractors and academic institutions on the proposed bcs 屋宇署已于2004年6月就该自愿楼宇评级制度谘询业界包括专业团体，发展商，银行，保险业，物业管理经理及注册承建商和学界意见。
The idea of promoting recognition of high standard of building management and maintenance through a voluntary classification system is considered useful in encouraging owners to properly manage and maintain the buildings 嘉许优质楼宇管理维修：公众认为藉自愿楼宇评级制度嘉许优质楼宇管理维修，能够鼓励业主妥善管理和维修其楼宇。
The system emphasizes more on the supervisal and control for the executive of the management system of credit risk . every kind of loan examination and approval rule and credit evaluation rule will be consummate . the character of the business personnel will be increased and the morals risk will never happen 在内部控制中，更多的是强调对信用风险管理系统执行的监控；完善各种贷款审批制度、信用评级制度、提高业务人员的素质以避免道德风险的产生。
The key to solve the problem is to establish and perfect corporate information announcing system , credit collateral system and credit rating system ; to set up efficient financial market , accelerate medium and small financial organizational construction , utilize nonofficial finance , and develop the venture capital market 解决这一问题的关键是完善企业信息披露制度，健全信用担保体系和信用评级制度，建立高效率的金融市场，加快中小金融机构建设，充分利用非正式金融（民间资本） ，大力发展风险投资市场。
Meanwhile , we have to pay attention to the fact that the smes " trust concepts should be strengthened more , the function of the guarantee institutions should be standardized further , the scientific and unite credit evaluating standard for the smes should be set up , the risks and benefits between guarantee institutions and cooperative banks should be more appropriate and fair , in some places local governments still interfere with specific guarantee affairs , and the state trust & re - guarantee institutions for the smes have n ' t been founded to scare and control risk . . . . . . according to all above problems , the article , focuses on the nucleus in the t & g system for smes ? he t & g institutions for smes , describes its basic system " s set - up model , ways to control risk and so on in detail . it discusses what roles other participants should play in the system construction including governments , financial institutions , the society and the smes themselves , in order to offer some valuable references on developing the social service system for smes , resolving the smes " difficulties in finance 但是，我们又不得不看到，中小企业信用观念仍需进一步加强；各地担保机构的运作尚待进一步规范化；科学统一的企业资信评级制度亟待建立；担保机构和协作银行之间的风险和利益划分应更加公平合理；个别地方仍存在着政府行政干预具体担保业务的问题；用以分散和控制风险的国家中小企业信用再担保机构尚未成立… …本文针对以上问题，以中小企业信用担保体系的核心? ?中小企业信用担保机构为重点，着重论述了其基本制度的建立模式以及风险控制的途径等，同时就其它参与方，包括政府部门、金融机构、社会中介以及中小企业自身在体系建设中的角色扮演问题进行了探讨，以期能够在完善中小企业社会服务体系，解决我国中小企业融资难等问题上提供一些有益的参考。
