目前我国中小企业融资面临的最大难题是信用问题。网络联保信贷模式的兴起为企业和金融机构获得双赢提供了可能的条件和前提。本文从博弈关联视角下中小企业融资困境与网络联保的可行性入手,结合我国目前经济环境分析网络联保的比较优势和运行中存在的风险,最后针对问题提出相关建议。 At present, China’s SME financing is the biggest problem facing credit issues. The rise of the network guaranteed credit model has provided the possible conditions and prerequisites for the win-win business and financial institutions. This article starts with the financing difficulties of small and medium-sized enterprises (SME) and the feasibility of network guarantee from the perspective of game theory. Based on the current economic environment in China, this paper analyzes the comparative advantage and risks in operation, and puts forward relevant suggestions.