中国商业银行银担合作业务风险研究——基于融资性担保公司风险传递的视角

Research on the Risk Between Banks and Guarantee Corporation in China——From the Perspective of Financing Guarantee Corporation Risk Transfer

融资性担保机构对缓解中小企业贷款难、促进中小企业发展等具有重要作用。担保公司向商业银行风险传递的方式包括借助过桥垫资形式,以短期高杠杆撬动巨额信贷资金;利用复杂关联关系,恶意逃避并转嫁悬空代偿责任;提高保证金缴纳率,变相占用客户信贷资金投机。融资性担保公司、商业银行、监管部门对银担业务合作均存在风险。中国商业银行银担合作业务风险应从以下方面进行防范:完善融资担保行业监管体系;加强银担业务合作管理,抑制担保行业风险传递;加强担保行业自律,规范经营,提高风险控制能力;建立健全担保风险的补偿和分散机制。

The financing guarantee institutions play an important role in alleviating the loan difficulty and promoting the development of small and medium-sized enterprises. At the same time, also exposed a series of illegal business problems, seriously affect the sustainable development of bank business cooperation. This paper taking the risk transfer path from financing Guarantee Corporation to commercial bank as the breakthrough point. Through case study, from three aspects of financing Guarantee Corporation, commercial banks, regulatory authorities to analyze the risks of bank business cooperation, and puts forward related suggestions： perfect the regulation system on financing guarantee institutions, enforce management of banks and guarantee corporation business, control risk and enforce anti-risk ability, establish risk compensation and dispersion system.