信用担保机构与商业银行合作问题的探讨

On the Cooperation between Credit Guarantec Institution and Commercial Bank

企业信用担保体系的建立和有效运转有赖于商业银行与担保机构的积极配合。信用担保机构和商业银行合作的条件是,政府每年应有一定量的资金用于补偿担保机构的代偿损失,使企业不发生客观违约。当前,我国信用担保机构与商业在合作实践中还面临诸多现实障碍。加强立法和政策导向、明确政府出资责任和建立资信评级制度是发展我国银保合作的基本对策。

The establishment and effective operation of enterprise credit guarantee system depend on the positive cooperation between commercial bank and guarantee institution. This cooperation is conditioned upon a certain funds from the government to compensate the guarantee institution for the loss suffered from substitutive payment, which can impol commercial bank not to objectively break off the engagement. At present, the cooperation is faced with a great many difficulties in its practice. And the basic way to develop the cooperation is to strengthen the legislation and the policy guidance, to definite the governmental duty of providing funds and to establish credit grade system.