Question

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我国小额担保贷款发展的困境与对策

[摘要] 小额担保贷款在我国开展的时间不长，从借款人、经办银行、担保机构、财政部门各方面看，都存在很多困境。其中，小额担保贷款政策制度设计不完善、经办银行与借款人的信息不对称是制约小额担保贷款发展的重要因素。破解小额担保贷款发展的难题，需要政府与金融机构明确责任与义务，共同构建促进小额担保贷款可持续发展的长效机制。

[关键词] 小额担保贷款 贷款困境 贷款管理
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Answer 1

Our country jot secured loan development difficult position and the countermeasure

[abstract] the jot secured loan the time which develops in our country is not long, from the borrower, manages the bank, the guarantee organization, the finance department various aspects looked, all has very many difficult positions.Among them, the jot secured loan policy system design imperfect, manages the bank and borrower's information not assymetrical is restricts the jot secured loan development the important attribute.Explains the jot secured loan development the difficult problem, needs the government and the financial organ is clear about the responsibility and the duty, together constructs the promotion jot secured loan sustainable development the persistent effect mechanism.

[Key word] jot secured loan loan difficult position loan management

Answer 2

[摘要]Small assure loan in China are not long time, from the borrower, the agency bank guarantee agencies, financial department, every aspect, there are many difficulties. Among them, small assure loan policy system design is not perfect, Banks and borrowers orgnaization of information asymmetry is restricted the development of small assure loan is an important factor. The development of small assure loan crack problems, the government needs to financial institutions to clear responsibility and obligation, building common to promote the sustainable development of small assure loan mechanism.

[关键词] Small assure loan mortgage loan dilemma

Answer 3

Small secured loans carried out in China not long, from the borrower, handling banks, guarantee agencies, look at all aspects of the financial sector, there are many difficulties. Among them, small secured loans defective design of policies and systems, the handling bank and borrower information asymmetry is restricting the development of small loans secured an important factor. The development of micro-crack problem guaranteed loans, government and financial institutions need to clarify responsibilities and obligations, secured loans together build the promotion of small long-term mechanism for sustainable development.