The Countermeasures And Suggestions About Bank And Enterprise Cooperation In Bank-of-China Yunnan Branch

Finance is the core of the national economy, it has very important position in economic development, the bank and enterprise relationship is one of the most important economic relations. As the credit agencies, the bank and enterprises relation is one of the most important economic relation. With the deepening of China's economy market and the rise of internationalization degree, enterprise face the more competition and risks.The enterprises need diversification of services. At the same time, more and more competition between Banks. The relationship between Banks and enterprises gradually from pure service into close strategic cooperative relations, profit is mainly rely on interest income. Middle business development lags behind, become the existing bank a big problem. National economic system in relation to the fact the importance means it is a two-edged sword.that is, the good relationships can effectively achieve the fact of resource allocation, economic steady growth of the target; And the fact of the distortion of malignant relationship will result in low efficiency, financial risk allocation of resources and restrict the cumulative macroeconomic goals. In this paper, based on the former research according to the development of the economic situation, analyzes and bank of interests between combining site, and how to respond to the change of the market, to explore new ways of cooperation, improve the fact the benefit of both sides, avoid risk.This paper mainly through the application of symbiosis theory and information asymmetry theory, from the height of the theory analysis of the fact, then the best form cooperation through the analysis of the financial derivatives, and points out that the concrete method and the fact cooperation for the enterprise and the benefits of the bank. Do the theory and the practice of the organic unity, achieve win-win argues.