1, mutual help * * * wins small and micro enterprises. Without sufficient guarantees and mortgages, it is difficult to obtain loans from banks. Through the establishment of mutual funds, small money will be accumulated into big money, and the overall support ability will be improved.

2. Small and micro enterprises with limited liability undertake finite risk for other members, and the biggest risk is to lose their own funds. Risks are predictable, and there will be no unforeseen risks, which can ensure the steady development of enterprises.

3. The more members of the fund, the larger the fund scale, and the more it can resist risks. By increasing the number of units, the probability of individual risk is reduced.

4. Risk * * * When risks occur, members bear losses according to the fund share, which fully embodies the principle of risk diversification.

Compared with traditional joint guarantee, joint guarantee loan is a form of loan that has developed rapidly in recent years. It is a typical group loan. Three or more persons form a joint guarantor, and the members guarantee each other. But for small and micro enterprises, the risk is great. It bears the loan risk of all other members. As long as more than two households in the group are in danger, the remaining small enterprises have no chance to survive even if they operate normally. Minsheng Bank's mutual assistance fund for small and micro enterprises greatly reduces the risks of small and micro enterprises, and can join as long as it meets the basic loan conditions, which can completely solve the financing problem of small enterprises.