近来,许多地方为了扶持中小企业的发展,纷纷建立了中小企业信用担保机构,这对于缓解中小企业融资难,促进中小企业的发展起到了一定的积极作用。但是我们也看到,一些地方在建立中小企业信用担保机构过程中,没有充分运用市场经济的手段,而是依靠单纯的政府行为,即全部由政府通过财政投说来建立担保基金,由指定机构来行使信用担保职能,这 Recently, in order to support the development of small and medium-sized enterprises, many places have established credit guarantee agencies for SMEs in succession. This has played a certain positive role in alleviating the financing difficulties of small and medium-sized enterprises and promoting the development of small and medium-sized enterprises. However, we also see that in some places, when establishing a credit guarantee agency for SMEs, they did not make full use of the market economy. Instead, they relied on simple government actions, that is, all the government-sponsored guarantee funds were set up through financial investment. To exercise credit guarantee function, this