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信用担保作为解决中小企业融资难问题的有效手段,已经被发达国家的实践所证明。一方面担保机构通过对中小企业的甄别、判断,将自身信用传导给企业,提升企业信用,从而满足银行等信贷机构对企业借贷的信用、质抵押物等要求。同时,作为中介,担保机构可以代表众多企业和一家银行或几家银行打交道,降低了银行审核、评估企业资质
As an effective measure to solve the financing difficulties of SMEs, credit guarantee has been proved by the practice of developed countries. On the one hand, the guarantee agencies pass the screening and judgment of small and medium-sized enterprises and transfer their credit to the enterprises so as to enhance the corporate credit so as to meet the credit and quality collateral requirements of credit institutions such as banks and other institutions. At the same time, as an intermediary, guarantee agencies can represent a large number of enterprises dealing with a single bank or several banks, reducing bank audits and assessing corporate qualifications