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文章认为，要改善地市中小企业的生存和发展环境，切实解决中小企业融资难特别是贷款难的问题，就必须组建中小企业信用担保机构。中小企业信用担保机构的法律形式有：企业法人、事业法人、社会团体法人。产业投资担保公司模式集担保职能、产业投资职能、资产托管经营职能和监督管理职能为一体，较为符合经济规律。这种模式有利于中小企业更易得到信用担保和投资，易于调整人员结构，并且有利于政府监督和管理
The article believes that to improve the survival and development environment for SMEs in cities and cities and effectively solve the financing difficulties of SMEs, especially the problem of loans, it is necessary to set up a credit guarantee agency for SMEs. SME credit guarantee agencies in the legal form: corporate legal person, legal person, corporate social groups. The model of industrial investment guarantee company integrates the guarantee function, industrial investment function, assets custody management function and supervision and management function, which is more in line with economic law. This model is conducive to SMEs easier access to credit guarantees and investment, easy to adjust the personnel structure, and is conducive to government oversight and management