商业银行与担保公司贷款担保业务合作风险及防控

What is and How to Control the Risk of the Loan Guarantee Business between the Commercial Banks and Guarantee Companies

商业银行与担保公司在贷款担保方面的合作,对解决中小企业融资难的问题起到了积极的促进作用,但在合作过程中也产生了不少问题。除了担保公司虚假出资、抽逃资本金或恶意逃废债等行为导致担保公司将担保风险转嫁到银行外,银行自身认识和管理的不到位也是导致银行贷款风险发生的重要原因。

The co-operation between Commercial banks and Guarantee Corporation in loan guarantee has played an active role in solving the problem of small and medium enterprises in financing,but many problems are also found in this process.Apart from fraudulent investment or flight of capital or malicious avoiding the debt by the Guarantee corporation lead to guarantee risks is transferred to the Commercial banks,the Commercial banks＇ own non-place of understanding and management also lead to the occurrence of risks.