摘要：信用担保，顾名思义就是以信用为担保进行融资活动，而信用担保制度则是经济活动中保证债权实现的一项重要的民事法律制度，是市场经济条件下各种交易活动对信用和社会性风险管理的客观要求。然而，世界各国的信用担保制度在面对2008年次贷危机时，都或多或少的出现了问题，各国针对各自的信用担保制度出现的问题，进行了不同的完善与创新。相比较而言，由于我国的信用担保制度起步较晚，发展的很不完善，尤其需要根据自己的情况，广泛、深入的吸收各国信用担保制度的新颖、突出之处，取其适于我国环境的“精华”，从而立足我国基本国情，完善信用担保制度，科学设计信用担保机构的发展模式，为社会、企业融资提供更好的帮助。

关键词：信用担保制度 制度建设 财政金融

Abstract：The credit guarantee system is an important economic activities to ensure the realization of oblige's rights in the civil law system,.Around the world, however, the credit guarantee system in the face of the Subprime Crisis in 2008, are more or less problems, countries for their own problems in the credit guarantee system, has carried on the different innovation.Comparison, because of the credit guarantee system of our country starts relatively late, especially need according to their own situation, the absorption of extensive and in-depth national credit guarantee system of the novel, prominent place, take its fit to the "essence" of our environment.

Keywords: credit guarantee scheme  system construction innovate  laws and regulations