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中小企业联贷联保业务是由若干借款人组成一个联合体,每个借款人均对联合体贷款总额度提供连带保证责任,银行借此发放一定额度的贷款。它是从制度创新方面探索一种新型的授信模式,不单纯依赖抵押物,而且通过充分调动企业在贷款申报和贷款管理过程中的主观能动性,利用企业现有的可利用资源(私人信息资源、关系资源和社会资本等),增强企业还款的约束力,从一定程度上解决中小企业融资难问题。其中,横向监督效应问题是联贷联保业务风险约束的核心。
SME loan business is a joint venture by a number of borrowers to form a consortium, each borrower on the Commonwealth loan amount to provide joint and several liability, the bank to issue a certain amount of loans. It is to explore a new credit model from the aspect of institutional innovation, which not only relies on collateral, but also utilizes the existing available resources (private information resources, Relationship resources and social capital, etc.), enhance the binding of corporate repayments, to a certain extent, solve the problem of financing for SMEs. Among them, the issue of horizontal supervision effect is the core of the risk constraint of the joint guarantee business.