目前“融资难”问题已成为制约小微企业和“三农”发展的瓶颈,要想获得贷款支持必须辅之以保险、担保等方式。开展小额贷款保证保险,是拓宽小微企业和“三农”融资渠道的一条新途径。 At present, the issue of “financing difficulty” has become a bottleneck restricting the development of small and micro enterprises and “agriculture, rural areas and farmers”. To obtain loan support, we must supplement such measures as insurance and guarantee. Carrying out micro-loan guarantee insurance is a new way to broaden the financing channels for small and micro enterprises and agriculture, rural areas and farmers.