中小企业信用担保机构是缓解中小企业融资困难的重要手段,目前,我国已初步形成了以互助担保和商业性担保机构为基础,以国家、省、市三级担保机构为核心的信用担保体系,但在经营中还存在许多问题,在担保机构与协作银行责任协调、信用制度建设和风险防范和控制等方面需要创新和完善。 At present, China has preliminarily formed a credit guarantee system based on the mutual guarantee and commercial guarantee agencies and the guarantee agencies at the national, provincial and municipal levels as the core. At present, the credit guarantee institutions for SMEs are an important means to alleviate the financing difficulties of SMEs. However, there are still many problems in the operation, which need to be innovated and improved in terms of coordinating the responsibility of guarantee agencies and cooperative banks, establishing credit system and preventing and controlling risks.