通过设立专门担保基金、实行政府授权管理部门备案制、建立政府与银行风险分担机制等方式,重构担保体系担保行业作为连接企业与银行的信用桥梁和资金供需双方的服务中介,在促进银行业务拓展、满足企业融资需求方面发挥了一定作用。然而,由于多数担保公司注册资本过低、专业人才匮乏、担保费用过高等因素,许多担保公司并没有真正成为银行和中小企业可以托付的商业伙伴,担保体系亟待重建。 Through the establishment of a special guarantee fund, the implementation of the government authorization management filing system, the establishment of government and bank risk sharing mechanism, and other ways to reconstruct the security system as a guarantee bridge industry and bank credit bridge and fund supply and demand service intermediaries in promoting banking Expand, meet the financing needs of enterprises has played a certain role. However, many guarantee companies have not really become business partners that banks and SMEs can entrust with due to the low registered capital, lack of professionals and high guarantee fees of most guarantee companies. The guarantee system needs to be rebuilt urgently.