融资问题一直是困扰我国中小企业发展的瓶颈,许多中小企业并不是没有好的项目,而是缺乏资金的支持。加强网络联保与中小企业信贷融资问题研究,对于破解中小企业融资难题具有重要意义。本文在分析网络联保联贷模式的基础上,探讨了我国发展网络联保联贷业务的优势所在,并提出了相应的实施建议。 Financing has always been a bottleneck that plagued the development of SMEs in our country. Many small and medium-sized enterprises are not without good projects, but lack of financial support. Strengthening the network of SMEs and SME credit financing research, for solving the financing problems of SMEs is of great significance. On the basis of analyzing the mode of network guaranteed loan, this paper discusses the advantage of developing network guaranteed loan business in our country, and puts forward corresponding implementation suggestions.