支持中小企业的发展是我国政府长期推行的政策。近几年来 ,我国出台了多项政策 ,要求各部门、各地区支持中小企业发展。但由于中小企业规模小、经济效益偏低、抗风险能力比较弱 ,吸引和消化信贷资金的能力较低 ,信用观念差 ,并且缺乏符合要求的抵押物 ,取得担保难 ,往往很难在 Supporting the development of small and medium-sized enterprises is a long-term policy implemented by our government. In recent years, China has promulgated a number of policies that require various departments and regions to support the development of small and medium-sized enterprises. However, it is often difficult for SMEs to obtain guarantees because of their small size, low economic returns, relatively weak anti-risk capabilities, low ability to attract and digest credit funds, poor credit concepts, and lack of satisfactory collateral.