CAJ | 학술논문

担保机构作为提升贷款客户信用能力的风险经营者,其自身信用情况及风险控制能力一直是合作银行及监管部门重点关注的内容。本文通过对融资性担保公司发展现状进行分析,指出其存在问题,并就如何加强担保机构与银行合作,最大发挥其促进中小企业融资的作用提出建议。
담보궤구작위제승대관객호신용능력적풍험경영자,기자신신용정황급풍험공제능력일직시합작은행급감관부문중점관주적내용。본문통과대융자성담보공사발전현상진행분석,지출기존재문제,병취여하가강담보궤구여은행합작,최대발휘기촉진중소기업융자적작용제출건의。
As the risk manager of enhancing the ability of credit customer,the financing guarantee companies＇ own credit and risk control ability have been the focus content of the cooperative bank and supervision department.This article analyzes the development status of the financing guarantee companies,then points out the existing problems,and puts forward suggestions on how to strengthen the cooperation between the financing guarantee companies and bank,and to play its biggest role in promoting the financing of small and medium-sized enterprises.