融资性担保是缓解我国中小企业融资难的有效制度安排。近年来,我国融资担保公司发展迅速,为推动地方经济发展发挥了重要作用。但其发展背后暴露出的一些问题,已经严重影响到这一行业的健康发展。因此,立法部门应在总结经验、充分调查研究和科学论证的基础上,尽早出台规范担保业的法律及配套司法解释,加快建立健全担保行业的法律规范体系,创造有利于融资性担保公司发展的法律环境,也使国家的监督管理真正做到有法可依、有章可循。 Financing guarantee is an effective institutional arrangement to ease the financing difficulty of SMEs in our country. In recent years, China’s financing guarantee company has developed rapidly, playing an important role in promoting the development of local economy. However, some problems exposed behind its development have seriously affected the healthy development of the industry. Therefore, on the basis of summing up experience, full investigation and research and scientific justification, the legislature should promulgate laws and supporting judicial interpretations that regulate the guarantee industry as early as possible, speed up the establishment and improvement of the legal norms system for the guarantee industry and create a favorable legal system for the development of financing guarantee companies Legal environment, but also to make the country’s supervision and management truly law-based, rule-based.