办理担保贷款有三难□鲁海土一、保证单位设定难。放款银行对保证单位要求较严，不仅要有法律上的主体资格，而且要求其具备一定经济实力和代为偿还债务能力。而有资格和能力充当保证单位的企业往往有严格的规章制度，不允许给外单位提供经济担保。以致许多借款单位尽管自... There are three difficulties in handling secured loans □ Luhai soil, guarantee units set difficult. Loan banks on the promised unit more stringent requirements, not only the legal main qualifications, but also requires that they have a certain degree of economic strength and on behalf of the ability to repay the debt. However, enterprises that have the qualifications and capabilities to guarantee units often have strict rules and regulations and do not allow economic guarantees to be provided to outside units. As a result, many borrower units