China's credit and guarantee for SMEs are influenced by both interior and exterior factors, and guarantee institutions for SMEs share partial risks by their own credit resources and by charging SMEs guarantee fee, thus speeding up the cooperation between banks and businesses. 我国中小企业信用担保既受到外部因素又受到内部因素的制约。中小企业信用担保机构使用自身信用资源,通过对中小企业收取担保费,承担了部分风险义务,加速了银企合作。