随着我国的经济体制改革,中小企业成为促进我国经济发展的新生力量,但是融资难问题依旧是中小企业发展的主要难题,其根源就是缺乏完善中小企业信用担保体系。本文通过分析我国中小企业信用体系存在的问题,法律法规的不健全、自身信用缺失以及担保机构落后,希望从我国国情出发建立一个具有我国特色的中小企业信用担保体系,促进中小企业更好的发展。 With the reform of our country’s economic system, small and medium-sized enterprises (SMEs) have become the new force for promoting the economic development of our country. However, the financing difficulties are still the major problems for the development of SMEs. The root cause is the lack of a sound credit guarantee system for SMEs. Based on the analysis of the problems existing in the credit system of SMEs in our country, the imperfect laws and regulations, the lack of credit and the backwardness of the guarantee agencies, this article hopes to establish a SME credit guarantee system with Chinese characteristics and promote the development of SMEs. .