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Research on Credit Re-guarantee Mechanism under Asymmetric Information

机译：信息不对称下的信用再担保机制研究

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摘要

It constructs risk-sharing model for credit reguarantee institution and credit guarantee institution with expected utility and mathematical optimization method based on risk-sharing theory. It shows that credit re-guarantee institution should give lower re-guarantee rate and higher re-guarantee proportion to credit guarantee institution which has lower compensatory rate and higher recoupment rate. Credit re-guarantee rate is concerned with risksharing proportion between credit guarantee institution and cooperation bank, risk-sharing proportion of credit re-guarantee, default rate of SME and compensating rate of the state to reguarantee institution. While, credit re-guarantee risk-sharing proportion is relative to recovery rate of credit guarantee default, average default rate of SME and credit guarantee rate.
机译：基于风险分担理论，利用期望效用和数学优化方法，构建了信用担保机构和信用担保机构的风险分担模型。结果表明，信用再担保机构应给予补偿率较低，偿还率较高的信用担保机构较低的再担保率和较高的再担保比例。信用再担保率与信用担保机构与合作银行之间的风险分担比例，信用再担保的风险分担比例，中小企业的违约率以及国家对再担保机构的补偿率有关。而信用再担保风险分担比例则与信用担保违约回收率，中小企业平均违约率和信用担保率有关。

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