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nded by the Government or to create , play the limited government resources in different areas of a reasonable allocation , to make up for the role of market failure ; commercial guarantee risk primarily through enhance the credit to drill business profits , to a certain extent, promote and facilitate credit flow chain credit allocation role. Financing guarantee is the guarantor and the creditor banks and other financial institutions agreed to be the guarantor fails to perform when the creditor financing debt owed by the guarantor shall be liable for the contractual guarantee responsibility. [ 3 ]

Guarantee institutions for SMEs mainly loans to financial institutions to provide specialized credit guarantees to certain property ( or money ) as a basis agreed to guarantee the performance and security of the debt claims of creditors to achieve a variety of facilities and means. Its basic function is the way through the credit guarantee for SMEs with financial institutions as a bridge between , financing difficulties getting loans for SMEs and financial institutions lending to poor worry about lifting.

First, the main role of security agencies that can help SMEs solve the difficult problem of financing loans for China's national economy and create economic benefits . SME credit guarantee loans can ease the difficulties , is conducive to enhancing SME credit rating and financing capacity, improve the financing environment for SMEs , and promote the healthy development of SMEs . Second, it could reduce the risk of bank credit and management costs, reduce confidence in the asymmetry , and enhance the confidence of bank loans to SMEs , SME operators reduce moral hazard . Three is to help the government 's policy support for SMEs , on our jobs, increasing taxes, to play an active role in bringing huge economic and social benefits.
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