一、为什么要建立担保体系第一,这是法律规定政府应当履行的责任和义务。《中小企业促进法》第19条规定:“县级以上人民政府和有关部门应当推进和组织建立中小企业信用担保体系,推动对中小企业的信用担保,为中小企业融资创造条件。”这就明确规定了县级以上人民政府和有关部门在建立担保体系建设方面的责任和义务。第二,是破解中小企业发展难题的有效选择。现在都在喊中小企业融资难,到底难在什么地方,难在直接融资渠道狭窄,国家刚刚开通了中小企业板块,符合上市条件的中小企业数量极少,发行企业债券也不包括中小企业,利用外资从总体上讲中小企业所占份额也较低,现在大量的中小企业融资主要靠间接融资,创业和发展所需资金主要是银行贷款。在目前市场经济不太发达、银企关系不够稳 First, why should we establish a guarantee system? First, this is the legal responsibility that the government should perform. Article 19 of the “Promotion Law of SMEs” stipulates that: “The people’s government at or above the county level and relevant departments shall promote and organize the establishment of a credit guarantee system for small and medium-sized enterprises, promote credit guarantee for small and medium-sized enterprises, and create conditions for the financing of small and medium-sized enterprises.” It clearly stipulates the responsibilities and obligations of the people’s government at or above the county level and related departments in establishing a guarantee system. Second, it is an effective choice for cracking the development problems of SMEs. All are now calling for SMEs’ ​​financing difficulties. In the end, it is difficult to find a place. It is difficult to narrow the scope of direct financing. The country has just started the SME segment. The number of SMEs that meet the conditions for listing is extremely low, and the issuance of corporate bonds does not include SMEs. In general, the share of foreign investment in small and medium-sized enterprises is also relatively low. Nowadays, a large number of SMEs finance mainly rely on indirect financing, and the funds required for start-up and development are mainly bank loans. In the current market economy is not well developed and the relationship between banks and enterprises is not stable enough