Study On The Cooperation Between Commercial Banks And Guarantee Company

With the development of market economy in China and the improvement of lifequality of people, the demand of fund of both enterprise and individuals isincreasingly growing. Due to our country commercial bank loans to small andmedium enterprises audit conditions are harsh, credit guarantee institutions arises atthe historic moment and in the process of small and medium-sized enterprisefinancing plays an irreplaceable role. However, at present our country in the processof cooperation with collaboration bank guarantee agencies took on excessive risk, thisis clearly not conducive to its role in China’s guarantee agencies and guaranteebusiness smoothly.Based on the research related to commercial Banks and financing guaranteeinstitutions at home and abroad cooperation on the basis of theory and practice,research a credit guarantee companies involved in the case of bank credit from normalto dull, based on the currently in domestic has typical significance of case study,analyses the process and reasons for the formation of credit risk, and further probesinto Banks and guarantee companies don’t role in the formation of non-performingloans and their motivation, found try to disguise and delay to reveal credit risk at thegrass-roots level in our country is a quite common phenomenon in the bank.Through the analysis of a typical case, find out the hidden deep cause of thecredit risk, and puts forward the relevant countermeasures and Suggestions, tostrengthen the commercial Banks in the credit market in China and guaranteecompanies risk management has important practical guiding significance.