So,in light of the status quo of Chinese guarantee firms calculation of risks,we establish a guarantee balance calculation model in line with actuarial theory,taking into account of the risks faced by realtors,the average income of local residents,the interest level of loans,etc.

Taking the beginning of debt chain as the key point,this paper discusses the causes of debt,that is legislative defects of lien and vacancy of payment guarantee.

This paper analyzes the key issues on PPA articles, such as tariff mechanism design and adjustment, the power purchaser’s obligations for acceptance and the seller’s obligations to supply, operation and maintenance, the commencing date of the commercial run, tariffs in the commission period, and issues relating to foreign exchange and payment guarantee, etc.