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当前,乡镇企业贷款除特一级企业实行信用贷款外,大部分是担保贷款,一般由乡镇企业办公室担保。但实际上这种担保是一种行政性担保,不具备企业法人资格,没有法律效力。为了解决乡镇企业贷款担保难的问题,更好地扶持乡镇企业发展,建议建立由乡镇政府牵头,企业参加的贷款担保协会,专门负责企业贷款的
At present, except for special-grade enterprises that implement credit loans, most of the loans for township and township enterprises are secured loans, which are generally guaranteed by the township and township enterprise offices. However, such guarantees are actually administrative guarantees, they do not have the qualification of a corporate legal person and they have no legal effect. In order to solve the problem of difficult loan guarantees for township and township enterprises and better support the development of township and village enterprises, it is proposed to establish a loan guarantee association led by the township government and participating in the enterprise to be responsible for corporate loans.