保证保险对贷款担保适用性问题初探范尔钢随着市场经济和相关法律的发展，企业和银行在信贷方面的风险随之增大，寻求保险给予保证是国际上商业银行通行的做法。依照《巴塞尔协议》，各种贷款方式的风险系数是不同的，由金融机构或保险公司给予担保的贷款，其风险系数较低... With the development of market economy and related laws, the risk of credit in enterprises and banks increases. It is the practice of commercial banks in the world to seek the guarantee of insurance. According to the Basel Accord, the risk factors for various types of loans are different, and the loans secured by financial institutions or insurance companies have a lower risk coefficient ...