2. For the enterprise expansion period with the goal of "growth and development". The aim is to ensure the cooperation between associations and financial institutions, form risk sharing, and promote small and medium-sized enterprises to improve their operations and expand their production. Financial institutions are encouraged to provide sufficient credit supply through guarantees on the basis of evaluating the operation of small and medium-sized enterprises, and then strengthen loan management and operation support. The guarantee association will focus on the unsecured loans of financial institutions and share the risks through the appropriate combination of secured loans and unsecured loans. At the same time, in order to ensure the effectiveness of the policy, the guarantee association and various financial institutions will disclose information on unsecured loans, that is, visual management.
3. For the enterprise development period with "sustainable development" as the goal. It aims to support and expand the working capital of small-scale operators. In particular, in order to support the sustainable development of small enterprises, there is a lack of funds and the sudden reduction of orders caused by emergencies. The 1% guarantee amount is adjusted from 12.5 million yen to 2 million yen.
4. In the enterprise crisis period. It aims at restraining the side effects of enterprise development and coping with large-scale economic crisis through safety net. Japan will establish a new safety net guarantee system, which can be quickly activated by pre-distinguishing the use period in case of a large-scale economic crisis, and at the same time, a crisis deposit will be created under the safety net, with a maximum guarantee limit of 28 million yen. For the existing safety net guarantee system, the guarantee rate will be uniformly revised from 1% to 8%, so as to promote enterprises to improve management and change their business with the support of financial institutions.
5. In terms of promoting business improvement and career regeneration during the enterprise regeneration period. Designed to improve the guarantee clause. For example, give up claims to encourage enterprises to improve management and promote business revitalization to maintain business recovery. If necessary, the guarantee association will also strengthen its functions to provide management support.
Disadvantages:
1. In terms of supporting enterprises to start their second business during the enterprise regeneration period. After a certain period of time, through the re-evaluation of the guarantee measures, the guarantee measures are promoted to conform to the corresponding life cycle of the enterprise. Create an environment that allows enterprises to make capital investment and business expansion in a timely manner, so as to ensure that enterprises dare to start a second venture in the case of business failure.
2. In terms of promoting enterprise reorganization and takeover during the enterprise regeneration period. It aims to promote the smooth reorganization or takeover of enterprises. By enriching the guarantee business, the receiver can raise the funds needed to obtain shares more smoothly.
3. At the stage of enterprise withdrawing from the market. By enriching the guarantee business, the enterprise managers can raise the first needed funds more smoothly when they decide to quit. This part of the funds is mainly used to deal with contact funds such as accounts payable and recovery expenses.