不过他说，尽管有担保和抵押物，很多银行仍然不愿向小企业发放贷款。
However, even with the guarantee and the collateral, he says, many Banks are still unwilling to lend to small businesses.
抵押物或者其他担保物的价款超过其所担保的债务数额的，超过部分属于破产还债的财产。
If the money value of the property mortgaged or used as security for other kinds of obligations exceeds the amount of loans secured, the surplus shall go to the bankrupt property for debt repayment.
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