成长型中小企业抗风险能力较弱、有效抵押不足的特点，决定了传统的抵押和保证方式难以满足其贷款需求。解决成长型企业贷款担保难问题，必须内外兼顾，在保持内源性担保资源的基础上，探索与外源性担保资源相结合的新途径。建设银行淄博市分行借助政府增信平台和企业缴纳一定比例的助保金组成“助保金池”，在山东省淄博市博山区试点推出了助保金贷款业务，开创了“政银企”三方合作融资的新模式。%Growing SMEs are lack of risk resistant ability and mortgage, and these features determines that traditional manner of mortgage and guarantee cannot meet their financial demand. To solve this problem, on the base of maintaining inner guarantee resources, we must explore new method of combining inner and outer guarantee resources. The CCB Zibo branch creates a new method of financing by the cooperation of government, bank and enterprises, namely utilizing government credit-added platform and demanding enterprises to hand in some percentage of money to form the pool of guarantee-assistant fund.
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