2015年第1期《中国农村金融》刊登了题为《为小微企业定制服务》的文章。该文介绍了顺德农商行在服务小微企业发展方面的经验做法,颇有借鉴价值。但我认为,该行在担保方式上仍有创新延伸空间。首先,担保公司担保也需要质物做反担保,如注册资本、购买土地的发票等,银行没有纳入范围的抵押,若创新拓宽抵押渠道,可纳入抵押担保。其次,企 Issue 1, 2015 China Rural Finance published an article titled “Customizing Services for Small and Micro Enterprises.” This article introduced Shunde Rural Commercial Bank in the service of small and micro enterprise development experience, quite a reference value. However, I think the bank still has room for innovation in the guarantee method. First of all, the guarantee company also needs the counter guarantee for the guarantee, such as the registered capital and the invoice for purchasing the land. The bank is not included in the scope of the mortgage. If innovation can broaden the mortgage channel, it can be included in the mortgage guarantee. Second, the company