中小企业贷款难成为世界性难题,民间融资担保机构的出现,可谓生逢其时。然而,民间融资担保要想健康发展,则仍需要主客观多种因素的配合。中小企业融资难,难在何处?中小企业作用很大:解决就业,促进竞争,繁荣市场,完善产业链条等。中小企业发展很难:摆脱机会主义、明 SME loans difficult to become a worldwide problem, the emergence of non-governmental financing guarantee agencies can be described as a coincidence. However, to ensure the healthy development of non-governmental financing guarantee, the subjective and objective factors still need to be met. Small and medium-sized enterprise financing difficult, where is it difficult? Small and medium-sized enterprises have a great role: to solve the employment, promote competition, market prosperity, improve the industrial chain. SME development is difficult: get rid of opportunism, Ming