目前,中小企业在全国范围内如雨后春笋蓬勃生长,带动了地方经济与金融业的发展。但是在一些欠发达地区,金融机构“难贷款”和中小企业“贷款难”的问题成为阻碍地区经济发展的“绊脚石”。而中小企业“贷款难”的一个主要原因是其融资无人担保,因此解决谁来担保就成为问题的关键。 At present, SMEs have been springing up all over the country with vigorous growth, driving the development of local economy and the financial industry. However, in some underdeveloped areas, the problem of “hard loans” of financial institutions and “difficult loans” for SMEs has become a “stumbling block” to the economic development in the region. One of the main reasons for SMEs’ “difficulty in lending” is that their financing is unsecured, so the key to resolving who will guarantee it becomes a problem.