Credit Guarantee Risk-sharing Mechanism

Small and medium-sized enterprises is an important strength foreconomy development, credit guarantee plays an irreplaceable role infinance supporting system for small and medium-sized enterprises.Actually, credit guaranty organization shares too much risk, this hasinfluenced sustainable development of credit guarantee. This paperanalyzes credit guarantee risk sharing system from based on main bodys-government,bank,credit guarantee organization,enterprise.At first, this paper analyzes character and source of risk of creditguarantee, uses several international credit guarantee risk sharing modelfor reference. On point view of Attribute of quasi-pubic goods of creditguarantee, analyzes the role government plays on sharing credit risk.Points that government should play a dominant role on sharing credit risk,puts forward some measures for development of credit guarantee carriedout by government. In follow, introduces cooperating actuality of creditguarantee organization and bank, researchs behavioring feature of bankand credit guarantee organization by static game model, analyzes thereasons why credit guarantee organization shares too much risk and therational proportion of risk for them by bargaining game with completeinformation and incomplete information.Then puts forward somemethods of strengthening risk control for credit guarantee organization. Inorder to keep away from credit risk of enterprise, puts forward creditguarantee risk alarm and control system, researchs risk alarm systemrested on analytic hierarchy process for theory. Unifies actual case,demonstrates operation principle.