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中小企业在推动社会经济发展、增加社会就业率、保持社会稳定、促进社会和谐发展等方面发挥着巨大的作用。但是,中小企业在融资方面也存在着极大的问题,法律法规建设不健全、信用担保规模太小、社会环境差、政府立法也需要完善,还有中小企业自身管理机制落后和客观因素的限制。因此,建立一个适合我国中小企业融资需要的信用担保体系,对于有效缓解我国中小企业面临的问题,特别是融资难问题,具有十分重大的意义。文章首先分析了中小企业信用担保融资体系的现状,然后提出中小企业信用担保融资所面临的问题,最后针对这些问题提出相应的建议。
SMEs play a huge role in promoting social and economic development, increasing social employment rate, maintaining social stability and promoting harmonious social development. However, SMEs also have great problems in financing. The laws and regulations are not perfect, the size of credit guarantee is too small, the social environment is poor, government legislation needs to be improved, and the management mechanism of SMEs is lagging behind and objective factors . Therefore, to establish a credit guarantee system that suits the financing needs of SMEs in our country is of great significance for effectively alleviating the problems faced by SMEs in our country, especially for financing problems. The article first analyzes the status quo of SME credit guarantee financing system, and then puts forward the problems faced by SME credit guarantee financing, and finally puts forward corresponding suggestions on these issues.