美国小企业如何获得普通担保贷款和特种贷款

How US Small Business Owners Obtain General Guaranteed Loans and Special Types of Loans

美国的小企业发展经验令世界各国特别是发展中国家为之瞩目。其成功的秘诀之一就是小企业借助美国小企业管理局提供的担保支持,可以顺利地从相关金融机构获得贷款。本文从小企业合格性审查、贷款的用途、贷款的偿还、贷款金额和费率、贷款申请程序等五个方面详细介绍分析了普通小企业担保贷款,然后又对小企业管理局担保的小企业特种贷款项目进行了介绍分析。其目的在于对中国的小金融机构开展小额贷款业务提供一些借鉴和支持。

Almost all the countries in the world, especially developing countries, have been paying much attention to the development experiences of US small businesses. One of the core experiences in the US issmall businesses can obtain a financing facility for collateral from the Small Business Administration of the US before they obtain loans from relevant financial institutions. First, the author obtains insight into general secured loan sin areas such as eligibility, usage, repayments, amounts, fees interest rates and application. Then, the small business’special loan is introduced, for which the US Small Business Administration provides collateral. The main purpose is to contribute experiences and enlightenment to small financial institutions in China when they extend small loans to small businesses.