随着中国经济的发展,企业的发展规模,从大中型转变为中小型,多为成长型的企业,不仅在资金技术上有不足,在经验的积累和社会竞争力方面,存在着很大的缺陷,但是,随着市场经济的发展,中小企业担当了市场的中坚力量,在优胜劣汰的竞争市场中,顽强发展的中小企业得到成长,发展壮大,但是缺乏经验和竞争力的企业,会在各种大浪的冲击下,逐渐消失。不论是发展壮大,还是销声隐退,贷款是企业发展必须面对的问题,但是现阶段,制约中小企业发展的主要瓶颈信是用担保难的问题,银行在做评估时,需要对投资风险和回报率做自己的分析,不同的企业有着不同的发展难题,不可控因素很多,所以,信用担保的数额不尽相同,所以探究中小企业信用担保难的主要原因和对策,对于中小企业的发展具有重要的意义。 With the development of China’s economy, the scale of development of enterprises has shifted from medium-sized to medium-sized and mostly growth-oriented enterprises. There are not only inadequacies in capital and technology, but also accumulated large amounts of experience and social competitiveness However, with the development of market economy, SMEs play a key role in the market. In the competitive market for survival of the fittest, small and medium-sized enterprises that are stubbornly developed have been growing up and growing up. However, enterprises lacking experience and competitiveness, Under the impact of big waves, it gradually disappeared. Whether it is to grow and develop, or sell off the sound, the loan is the business development must face the problem, but at this stage, the main bottleneck restricting the development of small and medium enterprises letter is the guarantee of the difficult issue, the bank in the assessment, the need for investment risk And the rate of return to do their own analysis, different companies have different development problems, many uncontrollable factors, so the amount of credit guarantee vary, so the main reason for the difficulty of SMEs credit guarantee and countermeasures for the development of small and medium enterprises It is of great significance.