中文摘要：

融资性担保机构作为企业向银行贷款的中间机构，在支持中小企业发展、破解其融资难题方面发挥了重要作用，但也面临着制约其发展的一些问题。在中国经济发展进入新常态的形势下，需要加快融资担保的法制建设，加强对融资担保机构的行业监管，建立银行与担保机构之间的互利合作机制，加强对融资担保的政策扶持，建立有效的中小企业资信评估系统，以促进融资性担保行业进一步发展，更好地为中小企业发展提供融资服务。

英文摘要：

As the intermediaries for enterprises to apply bank loans, financing guarantee institutions play an important role in supporting the development of SMEs and solving their financing problems, but their development also faces some problems that restrict their growth. After China＇s economic development entered the new normal stage, it is necessary to speed up the legislative work for financing guarantee, strengthen regulations for financing guarantee institutions, establish mutually beneficial and cooperation mechanism between the banks and guarantee agencies, strengthen policy support for financing guarantees, set up effective SME credit rating system, so as to promote the further development of financing guarantee industry and to provide better financial services for the development of SMEs.