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re customers to pay high risk margin , and then dump their banks as a guarantee deposit. This will not only increase the difficulty of financing for SMEs , but also increased the bank's credit risk.

Third, the management level is low , the lack of high-level professionals. The security industry as a highly specialized industry , and its business people need a high professional quality , the need for security -related policies and have a deep understanding of market operations . However, there is no threshold limit industry practitioners , practitioners qualification system has not been established , industry training system is not yet standardized, so the good and the bad quality of personnel , which will bring its own security agencies to manage risk and professional risk. The same time as the security industry itself is still in development and growth of the industry standards are not yet established , and some security agencies in the business of processing and internal management systems lack clear job responsibilities and a clear division of powers system, internal management needs to be improved .

Banking financial institutions problems are: asymmetric information and risk exposures ; sides unequal status of the lack of guarantee institutions guarantee institutions lack of understanding of the enthusiasm, deposit fee is too high.

First, most of the security institutions and cooperative banks in credit guarantees universal relationship exists unequal . Cooperative bank credit guarantee agencies lack of understanding of the status and solvency , and thus for their own interests and loan security reasons , requiring joint responsibility to ensure and guarantee agencies to provide full guarantees , increasing the burden on security company . It belongs to the risk-sharing , the rights and obligations not equal. Cooperative banks often require only rights rather than obligations , ie only accept loan interest income being unwilling to take the risk of loans , which is equality and mutual benefit , risk-sharing contrary to the principle of cooperation , is not conducive to cooperative banks and guarantee agencies to establish and develop good relationships , increased cooperative commercial bank risk exposure. Risk-sharing and revenue sharing model of cooperation has not been established .

Second, banks lack the security company business cooperation initiative that guarantee institutions recommended small amount of small business loans unattractive , more inclined to lend to large enterprises with good credit , loans for SMEs support, just stay in the response national policy , to some extent limited guarantee business, the bank's SME financing also caused the loss of business . When the loan recovery , banks and lack of cooperation between security agencies . Compensatory security agencies fulfill responsibilities , debt recovery and disposal of assets in areas difficult to get bank support and cooperation.

Third, the bank charges are too high for the security agencies , co- setting silver bear magnification guarantees a maximum amount of credit guarantees and other restrictive provisions , co- threshold condition is too high, the risk margin is too high to pay , blind high interest rates charged by secured loans , set unreasonable , increased financing difficulties for SMEs . Lack of guarantees lack of effective corporate banking loan management , did not get t