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1、ABSTRACTWiththerapiddevelopmentofChineseeconomy,thetertiaryindustryhasdevelopedmorerapidlyinChinaandhasgraduallybecomethebackboneofthenationalproductionandamoreimportantroleineveryone’slife.Asaserviceindustry,thefinancialindustryaccountsforalargeproportionoftheoveralleconomicactivity.Asat
2、raditionalandtypicalfinancialinstitution,thespeedofbankingindustrydevelopmentisquiteamazingwiththedevelopmentoftertiaryindustry.Onthescaleofdebtandcredit,thelargestate-ownedbanksandjoint-stockbankshavebetterfoundation,butlowergrowthratethanthecitycommercialbanks.Withstronghistoricalbackgr
3、ound,citycommercialbankshaveagreatprogressbytheopportunityofrapiddevelopmentofChinatheseyears.However,therisksofrapiddevelopmentandunscientificmanagementmethodsbringlotsofriskstocitycommercialbanks.Inthisthesis,Wbankasanexample,itanalyzesthecreditguaranteeriskproblemsofWBankTianjinBranchd
4、uringitsdevelopmentusingacombinationoftheoreticalandpracticalmethods.Andbasedontheanalysisresults,wepresentsomereasonablesuggestionsaboutimprovingtheexternalandinternalriskmanagementthatcanpromoteamorerational,scientificdevelopment.Firstly,thisthesisdescribesthestructureofChinesebankingin
5、dustryandbackgroundofcitycommercialbanksinhistory.Secondly,itanalyzesinseveralwaystofindoutthedifferencesbetweenseveralcreditguarantees.Then,ittalksaboutthehistoryofWbankandthesituationofTianjinBranch,anddescribesthewaysofcreditguaranteeinTianjinBranch,andgivessomesuggestionstoimprovethem
6、anagementofriskaccordingtotheirrespectiveadvantagesanddisadvantages.ThelastpartofthisthesisanalyzesthestrategicpositionofTianjinBranchandaccordingtothepreviouschapter,offersseveralproposalstoimprovethemanagementofexternalandinternalrisks,andgivessomemeasurestomanagerdifferentlevelsofriska
7、ndcontrolproposeaccordingtotheauthor’sexperience.Inthisthesis,varioustypesofbankguaranteearetobeingcompared,includingmortgage,pledge,guaranteeandothersecuritydevices,andthenitfocusesonrelatedguaranteewhichtakemanyrisksandcauselosses.Ittellsthebackgroundofitshistorya
