我国中小企业在传统资本市场中直接筹资障碍重重,致使其资金匮乏,严重制约了它的快速发展。建立健全中小企业融资担保体系有利于提高其融资能力,化解资金短缺困境。我们应当借鉴国际上的成熟经验,结合我国落后地区的实际情况,建立适合我国落后地区企业经济发展特点的融资担保体系。 The obstacles of direct financing for small and medium-sized enterprises in the traditional capital market have caused their lack of funds and severely restricted their rapid development. Establishing and perfecting the financing guarantee system for SMEs is conducive to raising its financing capacity and resolving the shortage of funds. We should learn from the mature international experience and combine the actual conditions in the backward areas of our country to establish a financing guarantee system that is suitable for the economic development of enterprises in the backward areas of our country.