中小企业融资难问题的产生，一个重要原因就是中小企业抵押担保难，银行与企业之间缺少一个中介担保机构。担保机构在银行与企业之间发挥着桥梁作用，使中小企业有了稳定可靠的信用系统，又可以帮助银行按照贷款的“三性”经营管理原则实现经营总目标，使银行的贷款更为安全、有效。% The problem of difficult financing of small and medium-sized enterprises,an important reason is that the small and medi-um-sized enterprise mortgage-backed difficult,an intermediary between banks and enterprises guarantee institutions lack. Guarantee a-gency acts as a bridge between the bank and the enterprise,so that small and medium enterprises with credit system is stable and reliable, and can help the bank loans in accordance with the "three" management principle to achieve business goals,make bank loans is more safe,effective.
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