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中小企业对国民经济的发展具有不可替代的作用,但是由于其本身经济实力相对薄弱,出现了融资困境。信用担保的出现,为中小企业融资提供了很好的渠道。相对于我国信用担保行业的飞速发展,信用担保制度有待进一步完善。尤其在中小企业信用担保机构的设置、资金筹集、风险控制等方面需要构建我国完善的信用担保制度,以扶持和促进中小企业的发展。
Small and medium-sized enterprises play an irreplaceable role in the development of the national economy. However, due to their relatively weak economic strength, the financing difficulties have arisen. The emergence of credit guarantee provides a good channel for SME financing. Compared with the rapid development of China’s credit guarantee industry, the credit guarantee system needs to be further improved. In particular, we need to build a sound credit guarantee system in China in terms of the establishment of SME credit guarantee institutions, fund raising and risk control so as to support and promote the development of SMEs.