英语论文网

Guarantee refers to the economic and financial activities, in order to prevent the creditor and debtor default risk resulting from lower capital losses incurred by the debtor or a third party to provide financial or credit performance guarantee or assume corresponding responsibility to protect the creditor to achieve an economic behavior .

信用担保是伴随着商品经济的发展特别是货币信用制度的发展而产生的中介活动。信用担保业指专门从事在信用活动中，通过与债权人约定以保证的方式为债务人提供担保，当被担保人不能按合同约定履行债务时，由担保人进行代偿，承担债务人的责任或履行债务的行业。

Credit Guarantee is accompanied by the development of commodity economy in particular the development of monetary credit system arising from intermediary activities . Credit guarantee industry refers to specialize in the credit activity , by agreement with the creditors in order to ensure a way to provide security for the debtor , when the guarantor can not perform the debt according to the contract by the guarantor compensatory assume the debtor's obligations or performance of an obligation of the industry. It is a proof of credibility and responsibility combined assets of financial intermediation behavior, you can exclude the financing of SMEs to financial institutions barriers of inadequate collateral to supplement the lack of SME credit , changing supply and demand sides of the profits of capital flows and residual control rights configuration structure , decentralized financial institutions to SME financing risks and promote financing transactions occur , and thus optimize the financial structure .

我国目前中小企业主要是以间接融资为主。为了切实地解决我国中小企业贷款难，融资难的问题，政府大力推动各地融资担保机构的发展，来满足中小企业贷款融资需求和金融服务需求，已经形成了政策性担保机构、商业性担保机构、互助性担保机构共同发展的格局。

China is currently mainly based on indirect financing of SMEs . In order to effectively solve the financing difficulties of SMEs , financing difficulties , the government vigorously promote the development around the financing guarantee institutions to meet the financing needs of SME loans and financial services , has formed a policy guarantee institutions, commercial guarantee institutions , mutual guarantee institutions and common development pattern . Guarantee Agency nature: a high risk of credit guarantee function of social credit intermediaries. Internationally recognized as a social credit intermediaries and high-risk industries . Social Credit Founding of the agency is to own credit and capital commitments necessary management responsibility and independence, impartiality, impressive and equally as a third community to provide credit products and services. Credit guarantee business is risk , assume that responsibility , this natural property determines the security agencies must have the responsibility and control of the forces of risk. Responsibility strength is far and guarantee agencies total funds and compensation mechanisms . The risk of credit guarantees only to identify, prevent , control and resolve, should not be passed , it can not destroy . Risk identification and control rely on the experience and technology and risk prevention and resolution depends mainly on systems and mechanisms ; risk depends largely on the control of dispersion of risks . [ 2 ]

Credit guarantee of the basic types of nonprofit business policy guarantees for-profit commercial guarantee . Credit guarantee policy is mainly reflected government policy objectives and policy guidance, fu