一、问题的提出全球金融危机发生后,一些国家在向银行注入大量资金后,银行仍然不愿将钱贷出去。其原因正如美国《时代》周刊所评论的那样,在美国金融危机的冲击下,世界正陷入“任何人都不愿以任何理由借贷给别人的普遍恐慌中”。基于同样的原因,我国中小企业因无法向银行借贷造成资金不足而陷入倒闭潮。在这种情况下,中小企业融资担保公司可以发挥独特 First, the issue put forward After the global financial crisis, some countries injected a lot of money into the bank, the banks are still reluctant to lend money out. The reason for this is that as the U.S. Times magazine commented, under the impact of the financial crisis in the United States, the world is plunged into “a general panic that no one wants to lend to others for any reason.” For the same reason, China’s small and medium-sized enterprises have fallen into a recession because they can not afford to borrow money from banks. Under such circumstances, SME financing guarantee companies can play a unique role