Chicago Bears rookie quarterback Mitchell Trubisky tried on Wednesday to pump the brakes on the continued hysteria surrounding his preseason debut.

“I don’t know what you’re talking about,” Trubisky said of Mitch Mania. “I don’t pay attention to it.”

For the most part, Danny Trevathan JerseysTrubisky said he successfully stayed in the bunker as Chicago reveled in his performance (18-of-25 for 166 yards and one touchdown) last Thursday at Soldier Field.“A couple more people texted me after the game -- family congratulating me,” Trubisky said. “I think it’s just a small step in the right direction. I’ve still got a lot of work to do. I was pleased with how I played, but plenty more mistakes are going on during practice for me that I need to work on and continue to improve in my game and make sure when I go out there that I’m doing my job to help other people do their job.

“I think it just showed me that I’m making progress, Walter Payton Jerseysthat I could go out there and lead and do my job like I wanted to show. But it was just a small sample. It was the first game, and you’ve just got to continue to be consistent in reproducing it. That’s why we’re out here working and practicing.”

Practice is where Trubisky can identify the majority of his flaws. Trubisky had no trouble with the vanilla scheme of Denver's second-string defense last week. But on the practice field, Trubisky often is shown looks he’s never seen before.

“[At practice], Kevin White JerseysI’ve been taking the wrong drop a couple times, Jordan Howard Jerseys[and I’m working on] getting the correct Mike [linebacker call] down so we have it blocked correctly,” Trubisky said. “[I’m working on] just being more efficient. The game was actually pretty clean; it’s more in practice.”

Saturday's game against the Cardinals is an even bigger test for Trubisky, who is expected to play sometime after the Bears pull starter Mike Glennon.

Arizona coach Bruce Arians won’t be bashful about showing stuff in the preseason. Alshon Jeffery JerseysDon’t be surprised to see the Cardinals go after Trubisky, who’s working on blitz recognition in practice but didn’t face much extra pressure in the Broncos game.

信用评级是担保机构开展业务的关键

 

担保是通过对中小企业提供信用担保服务而取得业务收入的高风险行业。担保机构的信用评级,是对担保机构在一定经营期限内所负各种或有债务和现实债务的履约能力和履约意愿的评价,是对担保机构的风险管理能力和财务实力的综合评估。

 担保机构信用评级方法从系统论的角度出发,通过定性分析与定量分析相结合、经营措施与经营成果相结合的评价方法,主要对经营环境和环境风险管理、竞争能力和操作风险管理、担保项目评审和项目风险管理、担保组合和总体风险管理、财务实力和现金流风险管理等方面进行分析,综合评价担保机构的履约能力和履约意愿,并把评级结果公诸于社会公众。

信用评级迫在眉睫

信用评级是担保机构开展担保业务的基础。从市场规则的角度看,信用担保机构本质上是以自己的信用为主要资本拓展业务并赚取报酬的机构,即通过承担一定的信用风险,提高被担保企业的资信等级,获得风险报酬。因此,信用担保机构有无信用及提升信用的作用大小,是其能否获得业务及报酬和报酬多少的基本依据,是担保机构运作的基石。

从我国的实践中也可以看到,一些担保机构由于信用高,其担保可以获得各方面的认可,从而快速拓展担保业务。同时也有相当多的担保机构不易获得认可。因此,担保机构的信用等级高低实际上是其业务开展的基础和获取收入的前提。国际上专业信用担保机构在开展业务之初就会寻求评级机构进行信用评级,作为其开展业务与定价的基本依据。因此,信用评级是担保机构开展业务和运作的基础。

信用评级是担保机构与银行合作的重要参考。信用评级机构的评级结果作为银行与担保机构开展业务合作并合理确定风险分担比例的参考依据。随着市场经济条件下对信用信息独立揭示的原则确立,金融机构对借款企业信用评级和信用信息发布的“自贷自评自发布”也越来越多地受到政策限制。

担保机构的信用中介服务性质,决定了自身与金融机构合作的广泛性,以及与某一金融机构合作信息的有限性。金融机构仅凭自己所掌握的信息资料难以全面了解合作对方的经营状况,如合作银行家数、担保放大倍数、担保或有负债、风险代偿能力等情况。因此,建立金融机构对担保机构外部信用评级报告的使用机制,是银保合作开展业务,共同防范和控制风险的当务之急。信用评级不仅可以引导金融机构认识担保机构,把握担保风险,而且可以依据评级报告,决定是否与担保机构合作以及合作的广度与深度。

信用评级是担保机构强化风险管理的工具。中小企业自身的高成长性和高风险特点,决定了中小企业贷款担保机构面临着高风险。风险管理能力是担保机构能否持续经营的基础。担保机构的信用评级就是对担保机构的风险管理制度、过程、程序进行调查和分析,对担保项目拓展、风险控制措施以及实际风险进行判断,对担保组合进行分析等等。通过信用评级机构的分析和判断,担保机构可对自身内控制度和风险管理水平作出更好的评判,进一步完善内控制度,健全风险管理。

信用评级是担保行业自律、同业合作的前提。首先,行业组织开展行业自律管理,需要通过信用评级公开和专业的平台,切实了解和考察担保机构的信用信息,实行行业自律。其次,担保机构是国际公认的高风险行业,信用担保的有效运作亟需形成同行业之间信用信息的识别、预防、控制、分散、化解风险的长效机制。再次,随着担保业的发展,会形成同业既合作又竞争的局面,开展共保、分保、再担保等业务,也需要信用评级这种专业的、能全面揭示合作对方业务运营和风险代偿信息的手段。信用担保机构之间开展联保、再担保等业务时,可将对方的信用等级作为制订相应信用政策的参考依据。

 

 
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