Research On The Risk Sharing Of Financing Guarantee Institutions And Commercial Banks’ Cooperation

Starting from the theory,research situation and other information of financingguarantee institutions and commercial banks’ cooperation in the world， this articleintroduce the analysis of economics’ supply and demand model, the method of Lagrangemultipliers and game theory to studied the risk sharing of financing guarantee institutionsand commercial banks.Then give the current situation of financing guarantee institutionsand commercial banks’ cooperation in China and the west, this article give a deep analysisfor inequality risk sharing in cooperation. In addition, the paper also present currentsituation and risks sharing of financing guarantee institutions and commercial banks’cooperation in Shaanxi,which has certain typicalness in domestic.In conclusion,the risksharing is unreasonable, banks’ risk is too low and so on.The results show that in current environment of cooperation,determine a reasonablerisk sharing in corporation of commercial banks and financing guarantee institutions hasimportant significance. As two main parts in processes of Financing guarantee, financingguarantee institutions and commercial banks need to negotiate for risk sharing, because thereasonable risk sharing is the premise of make guarantee. If the risk sharing is toodistorted,in the absence of external subsidy, the body who take great risk may difficult tocontinue, establishing a good financing guarantee system to support the development ofsmall and medium-sized enterprises goal may impossible.Because of China’s specificconditions,this paper want to say that financing guarantee institutions should take fewerrisk,commercial banks should bear more risk in China now. Finally, In order to getsustainable development of financing guarantee, and resolve the "financing problem" insmall and medium-sized enterprises,this paper put some advices to promote reasonable risksharing of financing guarantee institutions and commercial banks’cooperation,and showsthe proposals’ feasibility.