中小企业在世界各国经济发展中占有十分重要的地位,尽管政府有关部门已经加大了对中小企业的重视程度,但融资难、寻找担保难仍然是制约中小企业发展的一个重要因素。从传统融资方式来看,商业银行贷款长期以来一直对国有大型企业青睐,这样中小企业如何在解决融资问题上寻求新途径,找到新办法,都需要我们做出分析和判断。本文分析了我国中小企业信用担保体系的现状,根据这些现状相应提出了一些对策,并在担保体系的模式创新方面进行了一些讨论,同时介绍了上海、深圳已经实施的方案和效果。只有健全的信用担保体系才能有力促进中小企业健康发展。 SMEs occupy a very important position in the economic development of all countries in the world. Although relevant government departments have increased their emphasis on SMEs, financing difficulties and finding guarantees are still an important factor restricting the development of SMEs. From the perspective of traditional financing, commercial bank loans have long favored state-owned large enterprises. Therefore, how SMEs seek new ways and solutions in solving financing needs us to make analysis and judgment. This article analyzes the status quo of the SME credit guarantee system in our country, and puts forward some countermeasures according to these status quo. Some discussions are made on the mode innovation of the guarantee system. At the same time, the schemes and effects already implemented in Shanghai and Shenzhen are introduced. Only a sound credit guarantee system can effectively promote the healthy development of SMEs.