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传统的银保分立型信贷模式不利于商业银行治理来自于中小企业贷款群体的信用风险,对此,推行银保协作型信贷模式将成为商业银行信贷制度创新的重要选择。本文从银保协作视角分析了商业银行信用风险补偿的内生机理,研究发现,信贷市场银企之间的信息不对称,促使信贷配给成为常态,对此,构建银保协作型信贷创新模式,可以有效缓解信贷配给,提升银行信贷资金的市场化出清意愿,但是,银行在缓解中小企业融资困境中承担了较大风险,银行信用风险补偿存在内生性需求,并以此为依据,从政府财税介入层面设计了商业银行信用风险的外部补偿机制,同时,从银行风险拨备层面设计了商业银行信用风险的内部补偿机制。该研究成果将为我国银行业构建科学高效的信用风险防控机制提供重要的理论指导与决策参考。
The traditional bancassurance credit model is not conducive to commercial banks to manage loans from SMEs credit risk, which, the implementation of the bancassurance cooperative credit model will become an important choice for the commercial bank credit system innovation. This paper analyzes the endogenous mechanism of credit risk compensation of commercial banks from the perspective of the cooperation between bancassurance and insurance. The study finds that the asymmetric information between banks and enterprises in the credit market promotes credit rationing. In this regard, Which can effectively relieve the credit rationing and enhance the willingness of the banks to market their loans. However, the banks have taken a greater risk in alleviating the financing difficulties of SMEs, and there is an endogenous demand for bank credit risk compensation. Based on this, At the level of financial and tax intervention, the external compensation mechanism of commercial bank credit risk is designed. At the same time, the internal compensation mechanism of commercial bank credit risk is designed from the aspect of bank risk provision. The research results will provide important theoretical guidance and decision-making reference for China’s banking industry to build a scientific and efficient credit risk prevention and control mechanism.