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    New companies often experience difficulties securing financing through the capital markets as, frequently, the required loans can only be collateralized to an insufficient degree. In these cases — with economically appropriate projects — public guarantees can replace or supplement any shortfall in securities. A public guarantee is a financial instrument that encourages financial institutions, i. Guarantee programs are specially designed to help entrepreneurs obtain bank financing by dealing with the collateral constraint. However, guarantees do not provide cash support or any kind of credit.
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    Saving and investing. Staff insurance and pension. Bonds are debt securities whose issuers governments, financial institutions or corporates make a commitment to investors to repay the face value of bonds and pay interest on the set date. Interest on fixed-interest bonds is paid periodically while interest on zero-coupon bonds is included in the redemption price, equal to the face value, and paid on the redemption date.
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    Public Guarantees

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