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s . Guarantee institutions focus on services to SMEs to undertake a customer marketing and survey work, assisted bank loan before the survey , to some extent, reduce bank lending target seeking , information collection and credit marketing costs and resources to alleviate the pressure on bank credit .

Three silver Tam cooperation can promote financial methods and product innovation , to a certain extent, can mutually enhance their competitiveness. Guarantee institutions for the development of innovative financial products banks also beneficial supplement , in addition to the appropriate credit to the banks customers, expand marketing channels, commercial banks , but also can be carried out in cooperation with commercial banks financial product innovation , to help temporarily with a small loan conditions enterprises to improve their internal management, to seek effective ways to solve the financing , improve the financing capacity , cultivate potential customers together to solve the problem of financing small and medium enterprises .

First, the guarantee funds of smaller companies generally , capital strength is limited , compensation ability is generally weak, can not be fully effective . Our security agencies are mainly funded local governments and civil financed mainly lack of large financial institutions, investment guarantee companies , local governments and civil society of small shareholders congenital lack of capital strength , determines the security agencies of the debts of the limited strength . As part of the guarantee institutions guarantee fund small scale , lack of compensatory ability , the occurrence probability of compensatory time lead to collapse expand . SME guarantee institutions at risk considerations, defining strict access conditions for SMEs . Some companies limit the amount of money the scale of its production and management needs can not be met , and choose to give guarantees this financing. The loan guarantee agencies to improve eligibility requirements of the enterprise , leading enterprises through raising the cost of financing guarantee institutions , to pay premiums and deposits and other multiple fees. For some small businesses, through the Center for secured loans has exceeded its ability to accept . Guarantee institutions can not achieve the leverage function . Business expansion is greatly restricted , type single, slightly narrower range of guarantees , intended only for short-term liquidity guarantee.

Second is due to market-oriented operation guarantee companies , the pursuit of the principle of maximizing benefits , and industry regulation has not been effectively implemented and supervision , resulting in frequent phenomenon of irregular operations , there is a large number of non-standard operation. Currently there is some commercial guarantee institutions paid-up capital shortage phenomenon associated enterprises occupy a large number of non-compliant financing guarantee company , even a false investment and capital flight phenomenon seriously undermine their actual ability to provide security . And guarantee agencies in the capital liquidity and profitability is poor , seriously affecting the safety and liquidity of funds , reduces the ability to assume security responsibility . Bank guarantees to meet margin requirements , many organizations will guarantee themselves a guarantee of the due compensation special fund to pass credit customers, requi