By the analyzing of characteristics and actual situations of our country credit financing, this article concludes that credit guarantee impawn debt decision are key points to solve financing problems.

• 本文通过对我国高新技术企业信贷融资特点和融资现状的分析，认为信用担保、权利质押和负债管理是解决高新技术企业信贷融资问题的三个主要方面。