融资性担保公司与商业银行的合作研究——基于台州椒江.docVIP

PAGE PAGE 15 融资性担保公司与商业银行的合作研究 ——基于台州椒江 摘要：目前,运用怎样的手段才能缓解中小企业融资难问题，成为我国当前经济环境一个急需解决的难题，加强商业银行与担保公司的合作, 是银行在保持风险可控的前提下，对加大广大中小企业资金支撑的重要途径。本文基于融资担保公司与银行合作的大环境下，从国内和国外两方面的研究成果进行分析，主要是从国内研究出发，再以台州椒江区浦发银行与融资性担保公司的合作为例，对双方的合作层次进行深入探讨。融资担保公司与银行的合作越来越密切是我国的现状，但暴露出来的问题也非常多，相关部门不得不引起高度重视，这其中信息不对称就是很重要原因之一，面对如此多的问题，反担保措施和提高保证金比例等都是不错的解决措施。 关键词：融资性担保机构浦发银行反担保机制合作风险保证金 The financing guarantee companies and the cooperative research of commercial Banks are based on Taizhou Abstract: At present, how to effectively ease?the financing difficulties of small and medium-sized enterprises,?to become one of Chinas economic and social problems needed to resolve, strengthen the cooperation of commercial Banks and guarantee company, become a bank on the premise of risk control, can increase the important way of financing small and medium-sized enterprises.Based on the financing guarantee company and bank cooperation environment, from two aspects of domestic and foreign research results is analyzed, mainly from the domestic research, and then to taizhou jiaojiang district of Shanghai pudong development bank and financing guarantee company cooperation, for example, to explore both sides of the cooperation.Cooperation is more and more closely with the bank financing guarantee company is the current situation of our country, but also exposed very much, have to cause attaches great importance to the relevant departments, the information asymmetry is one of important reasons, in the face of so many problems, the guarantee measures and improve the margin percentage are good solutions. Keywords: Financing guarantee agency Shanghai Pudong development bank counter guarantee mechanism of cooperation risk deposit 正文目录 一、引言 近年来，我国中小企业的发展非常迅速，拉动了整个社会的经济的进步。但是有些中小企业却是遇到了瓶颈，资金不到位是主要原因，所以中小企业为了能够持续稳健的发展，必须需要足够的资金来支撑，但是由于中小企业自身实力的不足，缺乏信用记录和抵押担保条件，导致其在融资方面受到银行的不平等待遇，商业银行一般不予贷款。怎样获得更好的资金来源，困扰着中小企业的发展。融资性担保公司的出现，给中小企业带来了福音，通过融资性担保公司的担保，向银行获得贷款。但是融资性担保机构与银行的合作逐渐的暴露出了很多问题，这些问题如果不能很好解决，对担保机构、银行还有中小企业都会带来一定损失，影响