” of forum of economy of medium and small businesses of the 2nd Guangdong has “ two information caused authority's wide attention: It is falling from tight monetary policy, the medium and small businesses that the whole nation has had above of 67 thousand dimensions first half of the year ruptures because of capital catenary close down; 2 it is the financing difficult question to solve medium and small businesses, national hair changes appoint concerning sectional “ to study ” builds bank of national medium and small businesses together at present.

Establishing the bank that serves technically for medium and small businesses is logical choice it seems that, the banker ”——— that is just as poor of the “ that be called Younusi establishs to most poverty-stricken Bengalese is offerred small the Ge Laimin bank of loan.

What require vigilance nevertheless is, the likelihood because of bank of medium and small businesses hold water, other finance orgnaization is met ground of one is assured and bold with justice provides loan service for medium and small businesses no longer, the credit environment that causes its to be faced with is more exasperate, ” of paradox of “ of this kind of system is early had been proved by system economics. And, orgnaizations of such a “ special ” , “ forestall ” the loan of medium and small businesses counterpoises, in resource rare below the circumstance that be short of, search newly hire certainly will to form.

With respect to credit chain character, of credit of medium and small businesses difficult, the key uses inadequacy in Yu Jixin, from the angle of bank credit character belongs to “ to restrict ” of person of civil action competence, it is one of expression of ” of “ market malfunction. Need government replaces business standing with his credence, offer for its assure, no matter be to go up the United States of the century, still be Europe, not be inferior to this. The management board of medium and small businesses that the United States is in charge of technically assuring for loan of medium and small businesses fulfilled this kind of credence successfully to assure duty, its assure the loss is assumed by the government, parliament is annual appropriate budget. Statistical data makes clear, management board of American medium and small businesses used 27 million dollar 2000 assure, the loan of 2.3 billion dollar got in open market. Every throw the government 1 dollar, predicting loss 8 cent. This is total risk of the government. The United States assures in medium and small businesses the respect is very successful undoubtedly. Build special bank with its, be inferior to learning American government, perfect assure orgnaization, assume “ finite ” assure responsibility.