subject abstract: at present, the credit guarantee system for smes at the initial stage, ** still very imperfect, very limited function. ex**tence of a security agency funds smaller-scale, low degree of specialization, and inadequate capacity to res**t r**ks, the poor credit environment and other **sues, and the secured financing of smes in prec**ely the way makes up for other forms of indirect financing inadequate. th** ** first introduced the background of the financing of smes and the status quo, and the reasons for the difficulty in financing smes were analyzed, and then to the wuhan city secured financing for the case of joint secured financing methods were introduced, pointing out that the establ**hment of joint small business loan guarantees ** to solve the difficulty in financing small enterpr**es effective ways and means of a joint security advantages and inadequate, insufficient to improve their methods. key words: joint secured credit and guarantee financing for smes 20210311
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