中小民营企业已经成为我国经济落后地区经济增长的决定性力量。然而,由于融资渠道的狭窄,致使其资金匮乏,严重制约了它的快速发展。建立健全其融资担保制度有利于提高其融资能力,化解资金短缺困境,促进其快速健康发展。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中小企业发展特点的融资担保体系。 Small and medium-sized private enterprises have become the decisive force for economic growth in economically underdeveloped areas of our country. However, due to the narrow financing channels, the lack of funds has severely restricted its rapid development. Establishing and perfecting its financing guarantee system is conducive to raising its financing capability, resolving the shortage of funds and promoting its rapid and healthy development. We should draw lessons from the mature international experience and combine with the actual conditions in the backward regions of our country to establish a financing guarantee system that is suitable for the development of SMEs in the backward regions of our country.