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中国工商银行2002年8月7日宣布:今后工商银行的境内机构对小企业办理期限在3年以内的信贷业务时,可以由自然人提供财产担保并承担代偿责任。工商银行此次所称的小企业,指的是总资产在5000万元以下的企业,其中包括个人独资企业和个体工商户。业内人士指出,此举有助于解决目前小企业担保难的问题,进一步拓宽了广大小企业的融资渠道。 据介绍,自然人担保可采取抵押、权利质押、抵押加保证3种方式。可作抵押的个人财产包括个人所有的房产、土地使用权和交通运输工具等。抵押物价值需由工商银行二级分行（含）以上机构或其认可的评估机构进行评估、确认。在抵押期间,抵押人有维护、保养、保证抵押物完好无损的责任,并接受贷款行的监督检查。未经贷款行同意,
Industrial and Commercial Bank of China announced on August 7, 2002: In the future, when domestic institutions of ICBC handle the credit business of small enterprises for a period of three years or less, natural persons may provide property guaranty and assume liability for compensation. The so-called small business of ICBC refers to enterprises with total assets below 50 million yuan, including individual-owned enterprises and individual industrial and commercial households. Insiders pointed out that this move will help to solve the current problem of small business guarantee is difficult, and further widen the financing channels for the majority of small businesses. According to reports, natural security can take mortgage, pledge of rights, mortgage and guarantee 3 ways. Personal property that can be secured includes personal property, land use rights and transportation. The value of the mortgaged property shall be assessed and confirmed by the above institutions or their accredited assessment agencies at the second branch of ICBC. During the mortgage period, the mortgagor has the responsibility to maintain and maintain the pledged property and accept the supervision and inspection of the loan bank. Without the consent of the lender,