当前经济生活中一个突出问题,是企业特别是中小企业资金紧张。这其中原因很多,但贷款担保问题是重要因素之一。因此,尽快有效解决当前企业向银行贷款中的担保问题,已成为多数中小企业摆脱资金紧张困扰、获得进一步发展的关键措施,也是银行在向商业化转变过程中放贷获利、减少风险、求得发展必须解决的问题。一、贷款担保的现状及主要问题(一)贷款担保的现状。随着银行商业化改革的不断深化,银行对企业贷款担保的要求更加严格。高风险的大额贷款一般要求由金融机构或信用等级高的企业提供保证或权利质押,不接受信用等级低于BBB级企业提供的保证,并将逐步减少银行借款人之间相互提供的保证。同时,建立贷款担保法律审查制度和审批制度,由信贷部门和法律部门对保证人的合法资格、资信状况、代偿能力、抵押物或质物(质押实物或质押权利)的权属等有关担保事项进行法律审查 A prominent issue in the current economic life is the financial stress on enterprises, especially small and medium-sized enterprises. There are many reasons for this, but the issue of loan guarantees is one of the important factors. Therefore, as soon as possible to effectively solve the current corporate loans to banks in the issue of security has become the majority of SMEs out of troubled funds to obtain further development of the key measures, but also in the process of commercial banks to change loans to profit, reduce risk, obtain Development must solve the problem. First, the status of loan guarantees and the main problems (a) the status of loan guarantees. With the continuous deepening of the commercialization of banks, banks have become more stringent on corporate loan guarantees. High-risk large loans generally require pledges or rights pledges by financial institutions or companies with high credit ratings. They do not accept guarantees with credit ratings lower than those provided by BBB-rated companies and will gradually reduce the guarantees provided by bank borrowers. At the same time, the establishment of the loan guarantee legal review system and examination and approval system, by the credit department and the legal department of the guarantor of the legal status, credit status, ability to compensate, collateral or pledges (pledged in kind or pledged rights) and other related security matters Conduct legal review