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融资性担保公司市值依法设立，经营融资性担保业务的有限责任公司和股份有限公司。融资性担保公司不得从事吸收存款发放贷款、受托发放贷款、受托投资等监管部门规定不得从事的其他活动。由此可见，担保公司是需要依靠银行性金融机构才可以实现其开展业务的功能。能否与银行达成良好的合作关系，直接关系到了担保公司是否能够稳定发展的关键。所以担保公司迫切需要与银行实现良好的合作关系。

Financing guarantee company market value established by law , business financing guarantee business of the limited liability companies and joint . Financing guarantee company shall not engage in deposits loans , entrusted loans , trust investment and other regulatory authorities shall not engage in other activities. Thus , the security company is the need to rely on bank financial institutions can achieve their business functions. Can the bank to achieve a good working relationship, is directly related to whether the company can guarantee stable development. Therefore, an urgent need to guarantee companies and banks to achieve a good working relationship .

银行类金融机构与担保机构信贷合作的优势主要在于担保公司与银行进行合作，可以推动地方经济，降低银行的信贷风险，促进双方共同发展，贯彻宏观调控的政策等各方面有很大积极作用。

Banking financial institutions and credit guarantee agencies cooperate main advantage lies in cooperation with the bank guarantee companies can promote the local economy , reducing the bank's credit risk , promote common development, and implementation of macro-control policies and other aspects have a great positive effect.

对于银行类金融机构而言，担保机构是商业银行降低贷款风险的一道防线，是商业银行实现业务拓展的新增长点，更是促进中小企业和银行信贷机构实现共赢的桥梁。

For bank financial institutions, security agencies are commercial banks to reduce lending risks a defense , is a commercial bank to achieve new growth business development , but also to promote SMEs and bank credit institutions to achieve a win-win bridge.

First, the bank can effectively disperse the credit risk, and pass security company . Guarantees through credit guarantee institutions , banks in the event of credit risk, security agencies can get timely claims , to quickly resolve and pass on credit risk. Guarantee companies operating risks exist in a great advantage , as compared with the other guarantees , it can improve risk treatment efficiency, reduce risk disposal costs , reduce risk loss on disposal . Guarantee institutions compensatory mechanism makes a lot lower risk of loan default , can greatly simplify the bank's recovery process. Once the credit guarantee institutions guarantee assets at risk , banks and guarantee agencies in accordance with the proportional share of the risk , as most of the risk has been assumed guarantee institutions , the bank's non-performing rate of only 0.2% and more, much lower than other guarantees way the defect rate .

Second, the security agencies functioning market, credit funds on a macroscopic configuration with optimized effect. Guarantee Agency of the market -oriented operation, based on interest-driven , based on the pursuit of profit maximization. It promotes the risks and benefits of security agencies to find the best balance point , hand actively to meet the diverse needs of the market , widening the scope of business . Guarantee business development, banking institutions can make up for a service gaps, allocation of financial resources is conducive to efficiency . Guarantee institutions in general more flexible on business ideas , help to further improve the quality of credit assets . Information asymmetry between banks and small business finance opaque and lack of collateral collateral , making the quality of commercial bank loans to SMEs misgiving