中文摘要：

在分析银保协作与可选择性风险转移（AlternativRiskTransfer，即ART）保险的内在逻辑基础上，进一步分析ART保险实现银行信用风险转移的内在机理，并以此为依据设计银保信贷系统的ART保险机制。结果表明，ART保险可以有效分担银保信贷系统的信用风险，降低银保信贷系统的风险运营成本，提升银保信贷系统的运营效率，并实现商业银行信用风险转移目标。可见，推行银保协作型信贷模式，对于治理信贷配给，从而提升信贷市场效率具有重要意义。

英文摘要：

Credit-loan mode of cooperation between bank and guarantee exists great signifi- cance to credit rationing and enhance credit-loan market efficience. This paper analysizes the logic between cooperation between bank and guarantee and ART insurance, and further analysizes the mechanism to ATR insurance fufiling bank credit risk transferring, on basis of which, it designs ATR insurance mechanism of bank and guarantee credit-loan system. This paper research result shows that ATR insurance can share credit risk for bank and guarantee credit-loan system, and reduce risk operation costs of bank and guarantee credit-loan system, and elevate operation effi- cience of bank and guarantee credit-loan system, and fufil bank credit risk transferring goal. This research result will offer important theoretical guidance and decision-making reference.