政银担业务是指政府、银行和担保机构三方合作，通过政府信用、银行资金和担保机构的风险管理，为小微企业和农业经营主体提供融资支持的业务。

在政银担业务中，政府、银行和担保机构共同出资组成风险分担资金池，为小微企业和农业经营主体提供融资担保服务。当借款人无法偿还贷款时，担保机构将根据约定承担部分或全部代偿责任，并通过法律手段追偿欠款。

政银担业务的具体操作流程如下：

小微企业和农业经营主体向银行申请贷款；

银行审核借款人的资质和信用状况；

如果借款人符合条件，银行与借款人签订借款合同；

政府、银行和担保机构共同审核借款人的担保条件；

如果借款人符合担保条件，政府、银行和担保机构共同出具担保函；

银行发放贷款给借款人；

借款人按照合同约定还款。

政银担业务的意义在于为小微企业和农业经营主体提供更加便捷、低成本的融资服务，促进实体经济发展。同时，政银担业务还能够分散银行风险，提高银行服务小微企业的意愿和积极性。

英文对照：

The "government-bank-guarantee" business refers to a collaboration between the government, banks, and guarantee institutions. Through the use of government credit, bank funds, and risk management by the guarantee institutions, this business aims to provide financing support for small and micro enterprises as well as agricultural operators.

In the "government-bank-guarantee" business model, the government, banks, and guarantee institutions jointly contribute funds to form a risk sharing pool. This pool provides guarantees for small and micro enterprises and agricultural operators seeking financing. In the event that a borrower is unable to repay a loan, the guarantee institution will assume partial or full repayment responsibilities as agreed upon and pursue legal means to recover the欠款.

The specific operating procedures of "government-bank-guarantee" business are as follows:

Small and micro enterprises as well as agricultural operators apply for loans to banks;

The bank reviews the qualifications and credit status of the borrower;

If the borrower meets the conditions, the bank signs a loan contract with the borrower;

The government, bank, and guarantee institution jointly review the borrower's guarantees;

If the borrower meets the guarantee conditions, the government, bank, and guarantee institution jointly issue a letter of guarantee;

The bank issues a loan to the borrower;

The borrower repays the loan according to the contract terms.

The significance of "government-bank-guarantee" business lies in providing more convenient and low-cost financing services for small and micro enterprises as well as agricultural operators, thus promoting the development of the real economy. At the same time, "government-bank-guarantee" business can also diversify bank risks and increase banks' willingness and enthusiasm to serve small and micro enterprises.