Guarantee companies can only provide guarantees for enterprises or individuals, issue letters of guarantee to banks, and post bank loans, which are divided into financing guarantees and non-financing guarantees. Financing uses capital leverage, and the guarantee amount can be enlarged to 2- 10 times of the registered capital. Non-financing is guaranteed by its own equity capital, and small loans cannot absorb deposits, but can only be lent with the company's capital, and cannot be enlarged. Regarding interest rates, the state has special policies.