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自银行对集体、个体或新开办的其它企业要求的贷款提出必须提供经济担保后,一些担保企业由于不懂担保的性质,缺乏对被担保单位生产、资金等情况进行可行性论证,随便盖章作保。结果当贷款企业无钱支付银行贷款时,银行便按照规定在担保单位帐户扣款,使担保企业受到了损失。如某县物资局担保该县物资贸易总公司一笔贷款,公司把款汇出购钢材,既未购到钢材,钱又收不回来,银行按照规定在物资局帐户扣收贷款,使物资局蒙受损失。
Since the banks have provided economic guarantees for loans that collectives, individuals, or other newly-started enterprises require, some guarantee enterprises, because they do not understand the nature of the guarantee, lack feasibility studies on the production and capital of the guaranteed entities, . As a result, when the loan enterprise has no money to pay for the bank loan, the bank deducts the account in the guarantee unit according to the regulations, thus the guarantee enterprise suffers a loss. If a county material bureau guarantees the county material trade head office a loan, the company remits the purchase money the steel, neither purchases the steel, the money does not receive, the bank deducts the loan in the material bureau account according to the stipulation, causes the materials bureau bear the loss.