Study On Cooperation Mechanism Between BanksAnd Guarantee Agencies

With the development of Chinese economy and the perfect of market, small and medium-sized enterprises are growing fast. However, most of the small and medium-sized enterprises at the start-up stage, its strength is not strong, need corresponding financial support. The weak ability of management and innovation, the lack of competitiveness, and the high risk of market, banks are generally not willing to pay for their loans. So small and medium-sized enterprises are facing financing problems. To increase the credit, guarantee agencies provide guarantee for small and medium-sized enterprises. At the same time, guarantee agencies take the part, even all of the compensatory risk, it is not conducive to the healthy development of the guarantee industry. Therefore, the mutual relations of cooperation of the guarantee agencies, banks and small and medium-sized enterprises, it is important that the banks and guarantee agencies can establish a long-term effective mechanism of cooperation in the business.This article obtains from Chinese guarantee industry development situation, and elucidates the status quo of the cooperation between banks and small and medium-sized enterprises, analyzes its existing problems. Beginning in the 1990s in China, the government established the guarantee system that suitable to our national conditions, and gradually formed the industry pattern of the policy guarantee agencies as the main body, mutual guarantee agencies and commercial guarantee agencies as the two wings. In recent ten years, the rapid development of guarantee agencies, and local innovation mode, but still have hidden dangers in the industry, imperfect laws, lack of regulation and compensation mechanism and so on. They affect the guarantee industry norms, the sustainable development. At the same time, the two sides strengthen the cooperation, but the cooperation initiative of many banks is not high, cooperation pattern of equal status, benefit-sharing and risk-sharing has not been built. It restricts the development of the business of guarantee agencies, and limits the size of the guarantee. Combining with field survey in L county, the thesis introduce the development situation of A guarantee company. Through the analysis of the statistical data, A guarantee company nearly three years has developed rapidly. In cooperation, they have a good result with the Rural Commercial Bank of L, but failed to effectively share in terms of risks.Based on analyzing guarantee industry of China, this paper chooses the representative countries, like Japan, the United States and Germany, and discusses guarantee system with its own characteristic of the three countries. Japan set up a type of combination the government and the market. The federal government of the United States established Small Business Administration, while it is a mode of market-oriented operation in Germany. The three development mature guarantee system, build the smooth cooperation between banks and guarantee agencies. Before the loan guarantees, they have a long-term and effective cooperation agreement; and the two sides strengthen the information resources sharing. When the compensatory occurs, they take the risk in together. The perfect cooperation mechanism of banks and guarantee agencies, on the one hand, improves the guarantee ability and profits of the guarantee agencies, on the other hand, the banks can expand their business in the fierce competition, and increase the interest income. Learning the experience of the three countries, it has a good influence on the establishment of cooperative relations between banks and guarantee agencies in our country. It has a guiding significance.Summary the overseas mature experience of the development of guarantee industry, and the current status of bank and guarantee agencies in China, finally, the author puts forward two suggestions. One is improving the external environment and the other is optimizing the internal mechanism. And we should build a good relation of cooperation between banks and guarantee agencies in the future.