新常态下，发展融资担保行业对于破解小微企业和“三农”融资难、融资贵问题，实现稳增长、调结构、惠民生目标具有重要作用。目前，陕西省融资担保业发展中存在资本金规模小、信用等级不高、政策支持力度不足等突出问题。本文在调研的基础上，分析陕西省融资担保业发展现状及存在的问题，借鉴外省经验，提出陕西进一步发展融资担保体系的建议。%Under the new normal, to develop financing guarantee industry can play an important role in solving the problems of being difficult and expensive in financing of small and medium-sized enterprises and agriculture, rural areas and farmers and realizing the goals of stabilizing the growth, making structural adjustment and benefiting the people. At present, there exist outstanding problems in the development of the financing guarantee industry in Shaanxi province such as that the size of capital is small, the credit rating is not high and policy support is not sufficient and so on. On the basis of the investigation, the paper analyzes the current development sit-uation and existing problems of the financing guarantee industry in Shaanxi province, and learning from the experiences of other provinces, puts forward the suggestions for Shaanxi to further develop the financing guarantee system.
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