相对于大企业 ,中小企业的资金供给先天不足。无论是股权融资方式 ,还是负债融资方式 ,中小企业都处在十分不利的地位。我国在深化金融体制改革中 ,开始着力解决中小企业融资难题并设计了一些融资途径 ,其中重要的一条 ,就是建立中小企业信用担保体系。现状中小企业信用担保是 Relative to large enterprises, SME funding is inherently inadequate. Whether it is equity financing, debt financing, SMEs are in a very unfavorable position. In deepening the reform of the financial system, our country has begun to address the financing difficulties of SMEs and has designed some financing channels. One of the important items is to establish a credit guarantee system for SMEs. The status of SME credit guarantee is