银行机构发展银担合作业务存在的问题及政策建议

Problems and Policy Suggestions of Banking Cooperative Development of Banking Institutions

银行开展银担合作业务是破解小微企业和"三农"融资难、融资贵问题的重要手段和关键环节,也是自身拓展业务范围、提升生存空间的必然选择。银担合作虽然取得了一定成效,但存在的问题不容忽视,需从建立信用评级机制、建立统一监测系统、加大扶持力度、加强合作风险管控等方面来加以解决。

The banks of Silver Bear cooperation business is an important means and key links to crack Small and micro businesses and the ＂three rural＂ fi nancing, the fi nancing of the problem, but also to expand their business scope, take up the living space of the inevitable choice. Silver Bear cooperation has made some achievements, but the problems can not be ignored, from the need to establish a credit rating system, the establishment of a unifi ed monitoring system, increase support for efforts to strengthen cooperation, risk control and other aspects to solve.