文章指出,中小企业融资难问题长期以来制约我国中小企业的发展,其根源在于我国缺乏针对中小企业融资完善的担保体系。文章通过分析比较美日韩三国中小企业担保体系的特点和运作机制,总结并提出可供我国借鉴的方法和经验。 The article points out that the problem of small and medium-sized enterprise financing has long restricted the development of our country’s small and medium-sized enterprises. Its root lies in our country lack of guarantee system for the financing of small and medium-sized enterprises. By analyzing and comparing the characteristics and operating mechanism of the guarantee system for SMEs in the United States, Japan and South Korea, the article summarizes and proposes the methods and experiences that can be borrowed by our country.