协作保险担保制度研究

担保行业是我国的朝阳产业。然而担保行业承担了大部分甚至全部银行贷款的风险,有违了担保行业风险分散和风险控制的宗旨。在金融危机的冲击下,担保行业承担了中小企业无法还贷的风险,其发展举步维艰。笔者提出建立的协作保险担保制度为改善担保业现状和解决中小企业融资难问题提供了一个新思路和解决办法。本文就对协作保险担保制度的定义、特点、主要业务举措及其建立的意义和发展建议提出了笔者自己的观点。

The Research on Cooperation Insurance-Guarantee System

Guarantee industry is a sunrise industry in our country.However,guarantee industry bear most or all of the bank loan risk,violating the aim of the guarantee industry：risk dispersion and risk control.Under the impact of the financial crisis,the guarantee industry undertook the risk of small and medium-sized enterprise which could not pay the loan back,affecting the development of guarantee industry.This paper proposes the establishment of Cooperation Insurance-Guarantee System to improve the situation and solve the problem of the financing of the small and medium-sized enterprise.This system provides a new train of thought and solution.This paper mainly talks about the definition,the feature,the main business,the significance and the development proposal of Cooperation Insurance-Guarantee System.