在西部大开发时期,虽然西部的社会经济面貌已发生很大变化,但该地区中小企业商业信用系统的不健全性,导致经济效率下降。文章就西部大开发时期中小企业商业信用的地区差异概述出发,分析了信用机构分布不均、发展不平衡、实力弱、规模小、信用意识淡薄、配套体系不完善等阻碍中小企业商业信用发展的问题,最后针对存在的问题提出了完善政策法规、整合信用机构、提高贷款积极性、优化配套体系、改善投资软环境和培养优秀商业信用人才等健全中小企业商业信用体系的措施。 Although the social and economic outlook in the west has undergone great changes during the period of the western development, the unsoundness of the commercial credit system for SMEs in the region has led to a decline in economic efficiency. Based on an overview of the regional differences in commercial credit for SMEs during the Western Development, the article analyzes the credit distributions that hinder the development of commercial credit for SMEs, such as uneven distribution of credit institutions, weak development, small scale, weak credit awareness and inadequate supporting systems Finally, according to the existing problems, some measures are proposed to improve the commercial credit system of SMEs such as perfecting policies and regulations, integrating credit institutions, improving the enthusiasm of loans, optimizing supporting systems, improving investment soft environment and training excellent commercial credit talents.