Small and medium-sized enterprises (SME) have increasingly played an important role in our development of economy. Financing has been restricting the development of SME. The credit guarantee company (CGC) for small and medium-sized enterprises has effectively relieved this problem, and also reduced the risk of commercial banks. It is conducive to the development of SME, CGC and commercial banks. But, in actually, there are many challenges preventing the function of CGC. This paper will analyze

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... hese problems from three aspects: the CGC itself, the cooperation with bank and the social environment. To solve the problem, we can strengthen risk management and improve the social environment.