中小企业是国民经济发展中的一支重要力量，
在世界各国的经济发展中都起着战略性作用。中国作为全球最大的发展中国家，中小企业的作用和地位更是突出。然而，从经济发展的态势来看，中小企业在发展中暴露出一些深层次的问题，最突出的是融资渠道不畅、资金短缺等问题，它成为制约中小企业发展的最重要因素，成为中小企业进一步发展的瓶颈。
要解决中小企业的融资问题，完善信用担保体系是重要一环。黑龙江省中小企业信用担保体系目前存在信用担保体系不完善，以及担保机构规模小，抗风险能力偏弱等问题。这些问题是由于担保监督管理部门缺位，缺乏准备金提取制度等原因导致，可以通过强化信用担保风险管理和发展以及完善信用担保外部环境对策加以解决。
关键词： 中小企业；信用担保；发展对策
Abstract
From the current world economic development perspective, small and medium-sized countries in the world economy is an important part not only in a large proportion of the national economy, but also a strong driving force for economic growth and technological innovation capability, but also the main is to provide the community with the broader employment opportunities, at the same time, SME are also due to their small scale and high operational risks, the lack of credit and other reasons, are faced with, such as market access, human resources and technology to introduce the application of information-sharing problems, etc. . Credit guarantee agencies are small and medium-sized countries in the world to alleviate the difficulties in financing the universal measure, foreign operation of credit guarantee institutions have gone through the course of nearly a hundred years, and the development of China's security business, only about ten years, the state credit guarantee system for the designated also the introduction of five years or so, however, in recent years, countries all over the security in accordance with established security system in the operating mechanism, risk control has been exposed more and more problems. Government financing more difficult
To resolve the financing problems of small and medium enterprises, improve the credit guarantee system is an important element. Heilongjiang Province, credit guarantee system for small and medium-sized credit guarantee system for the existing imperfections, as well as the security agencies a small scale, weak anti-risk ability and so on. These issues are due to lack of supervision and management of security, lack of reserve causes extraction system can be secured by strengthening credit risk management and development, as well as credit guarantees to improve strategies to solve the external environment.
Keywords：Small and medium-sized; Credit Guarantee; Development Strategies
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