The fictitious management generally has 6 ways in practice : 1 . fictitious production : the enterprises not only reduce a large amount of marketing funds and capital occupation , but also fully take advantage of other parties ’ demands to incest , lower the risk of itself by the ways of signing agreement , entrustment contract or rent contract . 2 本文就吉林省中小服装企业虚拟经营问题进行探讨,认为面对日益激烈的市场竞争,相关中小企业必须进一步提高认识,积极探索和选择更加有效的模式开展虚拟经营,建立和完善虚拟经营风险防范机制,减少和避免创业风险,通过虚拟经营获得最大化收益。
At first , the chapter introduces the conception , characteristic and basic theory of two different operation models ? mixed operations and separate operations . then analyze their advantages and disadvantages in terms of risk and efficiency . at last come to a conclusion : take risks into consideration , when the financial development is at the elementary stage , owing to the immature conditions and the imperfect mechanism of anti - risk , it is safer to carry out separate operations 在这一章中首先简要介绍了金融业经营模式的两大类型? ?金融分业经营模式和金融混业经营模式的概念、特点以及各自形成的理论基石，在此基础上对分业经营模式和混业经营模式在风险性和效率性两方面进行利弊分析，从而提出自己的观点，即从风险性角度看，在金融业发展的初级阶段，各项条件尚未成熟，风险防范机制仍不完善，金融风险较难控制，实行分业经营较混业经营更具安全性。
Based on the theoretical explanations of credit risk , this thesis speaks of the current managing models for credit risk operated by cscb , analyses what causes cscb " s credit risk by ways of case - study and norm - analysis , and evaluates the currently implemented preventive measures , such as credit rationing , against credit risk . therefore , this thesis raises the specific strategies on how to establish and improve the preventive measures against credit risk taken by cscb so as to effectively help cscb improve the preventive measures of credit risk 文章在对信贷风险进行理论阐述的基础上，摆出国有商业银行信贷风险管理现状，并采用案例分析与规范分析相结合的方法对国有商业银行信贷风险产生的原因进行分析，对国有商业银行现阶段运用信贷配给等方法防范信贷风险进行评价，并由此提出建立和完善国有商业银行信贷风险防范机制的具体策略，以期对中国国有商业银行完善信贷风险防范机制有所助益。
