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一、特别保证制度概要 特别保证制度的全称是中小企业金融安定化特别保证制度，于１９９８年１０月１日正式在日本实施。这种制度旨在借助信用保证协会提供的保证来促使金融机构向中小企业融资，其基本程序是先由中小企业向金融机构或保证协会提交申请，再由金融机构等进行审查
I. Summary of the special guarantee system The full name of the special guarantee system is the special guarantee system for the financial stabilization of SMEs. It was officially implemented in Japan on October 1, 1998. This system aims to promote financial institutions to SMEs with the guarantee provided by the credit guarantee association. The basic procedure is that SMEs submit applications to financial institutions or guaranty associations for review by financial institutions