商业银行在信用确认基础上对担保机构的风险分担机制

信用担保是伴随着银行商业化改革以及解决中小企业融资难问题而产生的,与银行金融机构有着天然的、紧密的联系。实践证明,中小企业信用担保机构是解决中小企业融资难问题的有效措施之一。信用担保机构的建立有利于解决信息不对称和分担银行的信贷风险,因此,商业银行应积极通过与信用担保机构的合作来化解对中小企业信贷的风险。本文通过构建非线性数理模型,探讨商业银行与担保机构实现双赢合作的条件与方式。

Research on Risk Sharing Mechanism of Commercial Banks with Guarantee Institutions on the Base of Credit Assurance

Credit guarantee institution appears with the commercializing reform of banks and the financing difficulty in medium & small sized enterprises,and it has natural close relation with the commercial institutions.Credit guarantee institution can avoid the information asymmetry and reduce the credit risk for the banks,so the commercial banks should cooperate with the guarantee institutions to address the loan risk on the medium & small sized enterprises.With the nonlinear model,the paper supplies the ways to realize the win-win cooperation between the guarantee institution and cooperative banks.