摘要：中小企业信用担保机构这样一个中间主体的介入有效的减少了企业与金融机构的风险。基于此功能信用担保机构成为了银行商业化经营的需要，金融体系国际化趋势的必然选择。最重要的是其解决了这些企业的融资难的问题，间接地促进了国民经济的发展。本文以我国中小企业目前发展的现况为出发点分析存在的问题，提出解决中小企业融资难，贷款难的切入点是中小企业的信用担保体系。文章指出基于信用担保机构的功能原理，进一步完善和发展中小企业的信用担保体系，可以有效扩太中小企业的融资渠道、增强中小企业的经营能力。在分析我国信用担保体系的现状和存在问题，研究国际上一些发达国家的比较健全的信用担保体系之后，本文提出了相应的解决方法，来达到完善各级信用担保体系，拓展中小企业融资渠道，推进中小企业的稳健地快速发展的目的。

关键词：中小企业 信用担保体系 融资困难 信用担保法律体系 资金补偿机制 风险分散机制

Abstract: SME credit guarantee institutions involved in such an intermediate body effectively reduces the risk of companies and financial institutions. Based on the credit guarantee institutions become necessary  for the commercialization of bank system and become inevitable choice for the financial system in its international trend . The most important of these is that it solves the difficult problem of corporate financing and promoting the development of national economy. In this paper, the current status of the development of our Country＇s SMEs as a starting point, propose solutions to their financing difficulties, difficulty in obtaining loans starting point is the credit guarantee system for SMEs. The article points out the credit guarantee system for further improvement and development of SMEs can effectively expand the financing channels for SMEs too, to enhance the viability of SMEs. After analyzing the current situation and problems of China's credit guarantee system, we propose appropriate solutions to achieve perfect credit guarantee system at all levels, expand financing channels for SMEs, SMEs aim to promote steady and rapid development of.