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科技型中小企业作为一个市场竞争的弱势群体,在资金供给、技术创新能力提升、管理规范等方面的问题越来越突出,而其中的融资难问题最为突出。担保“死结”在企业申请银行贷款的条件中,非常重要的一条是必须有充足的担保措施——这直接影响贷款的申请工作最终能否成功。担保措施一般是不动产抵押,但是几乎所有的企业在起步阶段都是租赁厂房进行生产,没有什么不动产。因此,直接担保贷
As a disadvantaged group in market competition, small and medium-sized technology-based SMEs are becoming more and more prominent in terms of funding, upgrading of technological innovation and management practices, among which the financing problems are the most prominent. Guarantee “Death Knot ” In the conditions for enterprises to apply for bank loans, a very important one is that there must be adequate security measures - which directly affect the success of loan applications. Security measures are generally real estate mortgages, but almost all enterprises in the initial stages of production are leased plants, there is no real estate. Therefore, direct guarantee loans