PAGE\*MERGEFORMATII金融担保机构与银行合作模式研究摘要目前金融担保机构与银行的合作还处于初级阶段，商业银行和担保公司的合作，在很大程度上解决了企业融资难得问题。目前，金融担保机构与银行合作模式有商业担保、政府担保、混合担保、“一”对“一”模式、“一”对“多”模式、“多”对“一”模式。在商业担保模式中，担保机构和商业银行不受政府约束，在选择担保项目时能够理性的市场化运作，除了正常的抵押担保，同时开展了票据质押担保、订单担保、回购担保等多元化担保业务，商业银行与担保机构同时贷后管理，构筑双重保障。但是，过高的贷款担保比例导致担保业务的风险几乎全部被担保机构承担，收益与风险严重失衡，担保公司承受了较大的压力，并容易产生道德风险；同时商业银行由于权利义务不对等、缺乏责任心等，在扶持中小企业发展中逐渐丧失了应尽的职责，这在未来容易引发系统性风险。关键词：商业银行；金融担保公司；合作模式ResearchonthecooperationmodebetweenfinancialguaranteeinstitutionsandbanksAbstractAtpresent,thecooperationbetweenfinancialguaranteeinstitutionsandBanksisstillinitsinitialstage.ThecooperationbetweencommercialBanksandguaranteecompanieshaslargelysolvedtheproblemofdifficultfinancingforenterprises.Atpresent,therearecommercialguarantee,governmentguarantee,mixedguarantee,"one"to"one"mode,"one"to"many"mode,and"many"to"one"mode.Incommercialguaranteemode,guaranteeagenciesandnotbeboundbythegovernment,commercialBankscanberationalwhenchoosingguaranteeprojectofmarket-orientedoperation,inadditiontothenormalmortgageguarantee,atthesametimetocarryoutthebillhypothecationguarantees,etc,inorderguarantee,repurchaseguaranteeguaranteebusiness,commercialBanksandguaranteeagenciesandpost-loanmanagement,constructadoubleprotection.However,theexcessiveloanguaranteeratioresultsinalmostalltherisksofguaranteebusinessbeingbornebyguaranteeinstitutions,andtheincomeandriskareseriouslyoutofbalance.Guaranteecompaniesbeargreatpressureandarepronetomoralhazard.Meanwhile,duetounequalrightsandobligationsandlackofresponsibility,commercialBanksgraduallylosetheirdueresponsibilitiesinsupportingthedevelopmentofsmallandmedium-sizedenterprises,whichislikelytocausesystemicrisksinthefuture.KeyWords:Commercialbank;Financialguaranteecompany;cooperationmode目录TOC\o"1-2"\h\z\uHYPERLINK\l"_Toc17017"一、绪论PAGEREF_Toc170171HYPERLINK\l"_Toc2435"（一）课题研究背景及意义PAGEREF_Toc24351HYPERLINK\l"_Toc14258"（二）研究内容及方法PAGEREF_Toc142582HYPERLINK\l"_Toc28015"二、银担合作模式概述PAGEREF_Toc280153HYPERLI