In many of the financing channel, guarantee industry with its unique advantages more and more get the attention of the small and medium-sized enterprises and favour. In the current situation, and gradually perfect guarantee system is to solve the small and medium enterprise loan be one of the most effective measures, to small and medium-sized enterprise financing is playing a positive role. Guarantee system in our country is a rising industry, it is by the government or an enterprise as a legal person and contributive establish, to support small and medium enterprise loan or support in the country, and the establishment of the export products. It in the bank and the enterprise loan relationships, is the identity of the guarantor of existence, it with Banks, enterprise security contract signed respectively, establish specific economic relations, play the following function:
A, ensuring the enforcement of creditor's rights
View from the bank, the bank loan business, especially cautious, and pay attention to the prevention and control of the loan risk. Due to the investment guarantee the company has a number of guarantee fund, has strong ability of compensation, therefore, guarantee agencies have higher credit rating. Small and medium-sized enterprise by its as security, can effectively share the bank loan risk will strengthen the bank loans to small and medium enterprises of confidence, so as to solve enterprise, bank lending the difficult question, promote financing, effectively promote national economic development. From the Angle of enterprises said, through the guarantee and improved its credit rating. Businesses to get credit from the bank support, it will accept guarantee agencies and the supervision of the bank to it, to guarantee agencies to provide its business and capital use report, strengthen the understanding between each other; Guarantee agencies to provide security for the enterprise, and not without destination guarantee, is based on the strict enterprise based on examination and understand, if the enterprise conditions short of asks, guarantee agencies and never will guarantee for it.
Second, avoid a capital loss
In the loan guarantee agencies before, an enterprise credit review before, grasp its business situation and development prospect, loans, keeping a close eye on strict censorship of enterprise use of funds, to find out problems, and Banks to a recovery of funds, thus it can effectively avoid the loss of money and safeguard the interests of the state, the bank and ensures the validity of financing.
Three, improve enterprise financing efficiency
As an intermediary, guarantee agencies to play a role of bridge, it is not only for Banks, matchmaking enterprise, and enterprise, supervision and examination on behalf of the bank enterprise, and enterprise to apply for bank, deal with relevant formalities, actively and effectively using to Banks, enterprise service purpose, make bank, enterprise have more human, financial and other business development time, thus it can effectively promote its development. This shows, to establish the system of guarantee, that small and medium-sized enterprise with stable and reliable credit system, be helpful for on certain level to small and medium-sized enterprises to solve the difficult problem loans, help small and medium-sized enterprise ease financial pressure. At the same time, and can help bank loans in accordance with the "three-properties" management principle achieve operational general objective, and make the loan to the bank more secure and effective.
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