小微企业是我国经济发展的重要参与者，占我国现有市场主体的95%以上， 但其可获得的金融资源却与其所作的贡献严重不匹配，这一问题越来越引起国家 的高度重视。为此，国家在融资担保行业陆续发布了一系列监管办法和支持政策， 特别是2018年以来，国务院发文要求政府性融资担保机构坚守准公共产品的定 位，聚焦支小支农主业，财政部成立了国家融资担保基金，并主导构建中央-省- 市三级的政府性融资担保体系，出台了政府性融资担保、再担保机构绩效评价指 引。为有效解决小微企业的融资难题，完成担保机构自身支小支微的目标任务， 作为政府性融资担保机构的J省担保集团将小微企业担保产品创新将作为支小 支微担保业务发展的一个重点方向。本文对J省担保集团小微企业担保产品创新 的研究具有重要的理论意义和实践价值。 本文在阅读国内外相关文献的基础上，以J省担保集团为研究范围，以其小 微企业担保产品创新为研究对象，运用产品差异化理论、产品生命周期理论等相 关理论进行分析，对J省担保集团小微企业担保产品创新的现状进行阐述，通过 对J省担保集团业务风控人员、合作银行客户经理和小微企业客户等银担企三方 群体进行问卷调查获取第一手资料，结合作者本人的观察，运用统计方法进行分 析，探究J省担保集团在小微企业担保产品创新存在的主要问题并进行原因分析。 存在的主要问题包括小微企业担保产品创新的成本收益不成正比；小微企业担保 产品数量多但上规模产品少，产品品牌不明显；风险控制措施趋同，过于重视收 入指标，风控不成体系；未设立产品研发部门，产品创新也非考核事项等。问题 的成因则包括：信息不对称；小微企业类型和需求多样化，担保产品创新却公式 化；小微企业担保产品的风险管理方式较为落后，金融科技等辅助手段匮乏；小 微企业担保产品创新考核机制不健全等。 最后，本文针对存在的问题提出优化建议和保障措施。其中优化建议包括： 多渠道解决担保过程中的信息不对称问题；差异化创新小微企业担保产品，丰富 产品体系；坚持产品创新四大原则，完善动态的风险管理体系；强化品牌，加大 宣传，树立省内小微企业担保第一品牌。保障措施具体包括：设置专门的产品研 发部门，加大产品创新激励考核；加强信息化系统建设，打造银担企连通的担保 平台；发挥政府性融资担保体系作用，形成协同联动机制；引导政府部门出台针 对小微企业担保的补偿补贴及尽职免责政策，助力担保机构可持续发展。 关键词：融资担保；小微企业；产品创新 Abstract Small and micro enterprises are important participants in China's economic development, accounting for more than 90% of China's existing market players. However, the financial resources they can obtain are seriously mismatched with their contributions. This problem has attracted more and more attention of the state. To this end, the state has successively issued a series of supporting policies in the financing guarantee industry. Especially since 2018, the State Council issued a document requiring government financing guarantee institutions to adhere to the positioning of quasi public goods and focus on supporting small businesses and supporting agriculture. The Ministry of finance has established the national financing guarantee fund, and led the construction of the central provincial municipal government financing guarantee system, and introduced the government financing guarantee system Performance evaluation guidelines for insurance and re guarantee institutions. In order to effectively solve the financing problems of small and micro enterprises and complete the goal and task of supporting small and micro enterprises by guarantee institutions themselves, J Province guarantee group, as a government financing guarantee institution, takes the innovation of guarantee products of small and micro enterprises as a key direction for the development of small and micro guarantee business. This paper has important theoretical significance and practical value for the research on the guarantee product innovation of small and micro enterprises of J Province guarantee group. On the basis of reading the relevant literature at home and abroad, this paper takes the guarantee group of J Province as the research scope, takes the guarantee product innovation of small and micro enterprises as the research object, and analyzes the current situation of guarantee product innovation of small and micro enterprises of J Province by using the new product development theory, product differentiation theory, product life cycle theory and product brand theory The business risk control personnel, bank customer managers and small and micro enterprise customers of guarantee group are investigated by questionnaire to obtain the first-hand information. Combined with the author's own observation, the main problems of guarantee product innovation of J Province guarantee group in small and micro enterprises are explored and the causes are analyzed by using statistical methods. The existing problems mainly include that the cost-benefit of guarantee product innovation of small and 12 micro enterprises is not proportional; the number of guarantee products of small and micro enterprises is large, but the scale products are small, the homogenization is serious, and the guarantee brand needs to be improved; the risk control measures of guarantee products of small and micro enterprises tend to be the same, too much attention is paid to the income indicators, and the risk control is not systematic; there is no product R & D department, and product innovation is not an assessment And so on. The causes of the problems include: obvious information asymmetry; diversified types and demands of small and micro enterprises, but formulaic guarantee product innovation; backward risk management mode of guarantee products of small and micro enterprises, lack of financial technology and other auxiliary means; imperfect incentive mechanism of guarantee product innovation of small and micro enterprises, etc. Finally, this paper puts forward optimization suggestions and safeguard measures for the existing problems. Among them, the optimization suggestions include: multi-channel to solve the problem of small and micro enterprise guarantee information asymmetry; differentiated innovation of small and micro enterprise guarantee products, enrich the product system; adhere to the four principles of product innovation, improve the dynamic risk management system; strengthen the brand, increase publicity, establish the first brand of small and micro enterprise guarantee in the province. The guarantee measures include: setting up a special product R & D department to increase the incentive assessment of product innovation; strengthening the construction of information system to create a guarantee platform connecting banks and enterprises; giving play to the role of government financing guarantee system to form a collaborative linkage mechanism; guiding government departments to set up compensation subsidies and due diligence exemption policies for small and micro enterprises guarantee, so as to help guarantee institutions achieve sustainable development development.。。。。。。以下内容略