企业互保和联保贷款风险问题探究

摘要

企业互保和联保贷款作为金融创新产品，是金融机构解决中小企业融资难的重要尝试和突破口，为解决中小企业融资难等问题发挥了积极作用。但在当前经济下行趋势下，企业互保和联保贷款风险有所凸显。因此需要采取切实可行的措施真正解决中小企业融资难、融资贵问题。%Enterprise mutual insurance and group lending as a ifnancial innovation, ifnancial institutions is important to try and solve the ifnancing dififculties of small and medium-sized enterprises, in order to solve the problem such as ifnancing dififculties of small and medium-sized enterprises has played a positive role. But under the current economic downward trend, the enterprise mutual insurance and group lending risks have highlighted. So you need to take practical measures to solve the ifnancing dififculties of small and medium-sized enterprises, ifnancing real your problem.