The Research Of Financial Guarantee Problems Of Our Country

The small business enterprise is an important power within the our country national economy.Currently in our country small business enterprise already over 8,000,000, have 99% of the national business enterprise total amount, the specific weight that is in our country the industry total production value and carry out the benefit tax attains 60% and 40%s respectively, providing the above employment opportunities of 75%, in the further development of the small business enterprise to the our country national economy the development has the important meaning.However, because the small business enterprise's weak economic power, low credit degree, shortage of collateral for loan, it is hard to match the mortgage guarantee condition for the bank loan, can not find the fit guarantor, cause small business enterprise is too difficult to gain loan, serious handering the development of the small business enterprise.The credit guarantee is lie between the bank and enterprise, is a kind of medium service activity combining prestige certificate and the property responsibilities assurance together.Because guarantee get involved, dispersion and dissolved the risk of the bank loan, the safety of the bank property gets the assurance, reducing the cares about the small business enterprise of the bank , the outlet between the business enterprise and the bank become lucid.