一、中小企业的作用与资金困难 (一)中小企业的作用。 在现代经济中,无论是发达国家还是发展中国家,中小企业都是国民经济的重要组成部分,它们在国民经济增长中发挥着不可或缺的作用。由于中小企业在经营方式、经营机制上独具特性,所以它们在国民经济中的作用是大企业无法替代的。也就是说,中小企业在经济社会中有其独立存在的价值。这一点已越来越为人们所认识。 First, the role of SMEs and financial difficulties (a) the role of SMEs. In the modern economy, both developed and developing countries, small and medium-sized enterprises are an important part of the national economy. They play an indispensable role in the growth of the national economy. Because SMEs are unique in their mode of operation and operating mechanism, their role in the national economy is irreplaceable to large enterprises. In other words, SMEs have their own independent value in economy and society. This has become more and more recognized by people.