The Analysis of Credit Guarantee for the Financing of SMEs
分析了国内中小企业申请银行融资时信用担保体系的现状，指出担保机制不合理导致资源利用不足，建议改革担保体系并让政府担保公司退出。
This paper analyzes the status quo of credit guarantee system for domestic SMEs when they apply for bank financing,and then points out the deep-rooted reason is that guarantee system mechanism is illogical,and therefore the credit guarantee resource can't be used sufficiently.Finally,the authors suggest that the structure of credit guarantee system should be reformed,and the government's guarantee company should be withdrawn.