在分析我国中小企业发展中面临的融资困境的基础上，重点分析了当前我国中小企业信用担保业发展中存在的问题和潜在的风险，在此基础上从建立担保机构内控制度和外部监管制度，完善担保市场体系，鼓励中小企业信用担保机构代偿后综合运用有限介入公司治理、出售、置换、拍卖、资产重组、企业重组、债转股、证券化等方法进行资产运营，支持内生于市场发展中的企业间互助性担保机构和商业性担保机构，规范政府行为等方面给出了相应的对策建议。%Based on an analysis of the financial difficulties confronting medium or small-sized firms in China in the process of development, the author emphasizes that there exist some problems and potential risks in the credit guarantee institutions for medium or small-scale firms in China. From different aspects such as building internal control systems and external supervising systems over institutions engaged in credit guarantee activities, improving guarantee market system, supporting the development of mutual organizations and commereial organizations eagaged in credit gurantee activities that emerge endogenously in markets, Standardizing goverment behaviour, the author puts forwand corresponding measures.
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