走出担保的误区乡镇企业担保贷款现象透视申纪随着社会主义市场经济的深入发展，担保贷款对缓解乡镇企业资金需求的矛盾，降低银行的信贷风险，促进企业经济发展起着一定的作用。但是，少数乡镇企业厂长、经理由于法制意识淡薄，在为其它企业或个人担保贷款活动中，盲目签字， The phenomenon of guarantee loans from rural and township enterprises out of guarantee Perspective Shen Yi With the deep development of the socialist market economy, secured loans play a decisive role in relieving the contradiction of funds demand of township enterprises, reducing the credit risk of banks, and promoting the economic development of enterprises. However, due to the weak awareness of the legal system, a few township and village managers and managers are blindly signing for other companies or individuals to guarantee loans.