摘要
近年来,丹东市商业银行与信用担保机构合作日益加强,为破解中小微企业融资难、融资贵、融资慢发挥了重要作用。但是,在银行与信用担保机构合作实践中,依然存在合作业务种类单一,银行机构难以全面掌握担保机构信息,银行与信用担保机构合作风险分担机制不合理、风险隐患较大,政策性担保机构与银行目标不一致等问题。因此,应建立统一的担保机构信用评级机制,完善统一的担保机构业务监管系统,强化再担保功能,推动再担保公司与担保公司的业务合作,拓展担保机构资本金的补充渠道与方式。
In recent years, the cooperation between commercial banks and credit guarantee institutions in Dandong city has been strengthened, which has played an important role in solving the financing problems of small and medium-sized enterprises - financing difficulty, high cost financing, and slow financing. However, practically, there are such problems as a single kind of business cooperation, difficulties for banking institutions in full mastery of the information of guarantee institutions, irrational cooperation risk sharing mechanism for banks and credit guarantee institutions, greater hindered risks, and inconsistent targets of the policy guarantee institutions and the banks. Therefore, we should establish a unified credit rating mechanism for guarantee institutions, build a sound and unified guarantee institutions business supervision system, strengthen the re-guarantee function, promote business cooperation between re-guarantee and guarantee corporations, and expand the complementary channels and ways for the capital of guarantee institutions.
作者
马小林
MA Xiaolin(Dandong City Central Sub-branch of the People＇s Bank of China , Daudoug, Liaoning 118000, China)
出处
《征信》
2017年第9期40-42,共3页
Credit Reference
关键词
商业银行
信用担保机构
信用担保评级
信用风险分担
commercial banks
credit guarantee institutions
credit guarantee rating
credit risk sharing
