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1、综合授信即银行对一些经营状况好、信用可靠的企业,授予一定时期内一定金融的信贷额度,企业在有效期与额度范围内可以循环使用。综合授信额度由企业一次性申报有关材料,银行一次性审批。企业可以根据自己的营运情况分期用款,随借随还,企业借款十分方便,同时也节约了融资成本。2、信用担保贷款目前在全国31个省、市中,已有100多个城市建立了中小企业信用担保机构。这些机构大多实行会员制管理的形式,属于公共服务性、行业自律性、自身非盈利性组织。担保基金的
1. Comprehensive credit refers to the fact that the bank grants certain financial credit lines within a certain period of time for some enterprises with good operating conditions and reliable credit. Enterprises can use the credits within the valid period and quota. The comprehensive credit line is provided by the enterprise for a one-time application of the relevant materials and the bank has one-time approval. Enterprises can use the funds according to their own operating conditions, and follow-up loans, business loans are very convenient, but also save on financing costs. 2. Credit guarantee loans are currently in 31 provinces and municipalities across the country, and more than 100 cities have established SME credit guarantee agencies. Most of these institutions implement the form of membership management and they are public service, industry self-discipline, and their own non-profit organizations. Guarantee fund