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当前银行对乡镇企业贷款,除特一级信用企业实行信用贷款外,其他企业都需要有可靠的担保人。为了解决乡镇企业贷款担保难的问题,建议由乡镇政府牵头,企业参加,建立担保协会,专门负责企业贷款担保(有的乡镇已成立乡镇企业集团公司的,可由集团公司担保)。贷款担保协会是具有互助性、独立性的经济联合实体,必须向工商管理部门领取营业执照,取得法人资格。担保协会的担保金来源:一是会员企业的自有资金、乡投资基金、国家投资基金等。二是担保协会向被担保企业收取的担保基金(流动资金贷款可按贷款的1％收取,固定资产购建贷款可按贷款的1.5％收取,实行专户储蓄)。担保协会不得超过自身能力为企业担保。企业申请贷款,应写出书面申请报告,
Current bank loans to township and township enterprises, in addition to special credit companies, implement credit loans, and other companies need reliable guarantors. In order to solve the difficult problem of loan guarantees for township and township enterprises, it is recommended that the township government take the lead and enterprises should participate in the establishment of a guarantee association and be responsible for corporate loan guarantees (some township and township enterprises that have set up a township enterprise group company may be guaranteed by the group company). Loan guarantee associations are economic union entities that are mutually supportive and independent. They must obtain a business license from the business administration department and obtain legal personality. The guarantee fund guarantee source: First, the member company’s own funds, township investment funds, state investment funds and so on. The second is the guarantee fund that the guarantee association collects from the guaranteed company (liquidity loan can be collected by 1% of the loan, fixed assets purchase and construction loan can be collected by 1.5% of the loan, and special account savings can be used). Guarantee associations must not exceed their own capabilities for corporate guarantees. Enterprises applying for loans should write a written application report.