在世界各国的经济与社会发展中,中小企业作为一类特殊企业群体,具有极其重要的战略地位。据测算,我国50％以上的GDP、 60％以上的工业总产值、76．6％的工业新增产值、57％的销售收入、60％的出口额、40％以上的税收以及75％以上的就业岗位均来自中小企业。作为一支最具活力和成长性的生力军,其在国民经济发展中处于举足轻重的地位。但是,由于各方面的原因,中小企业在其发展中也面临着许多问题,最为突出的就是融资难。目前我国中小企业融资渠道单一,大约有98．7％都来自银行贷款,风险高度集中于银行。而受中小企业本身存在的资信等级低、缺 In the economic and social development of all countries in the world, as a special group of enterprises, SMEs play an extremely important strategic position. It is estimated that more than 50% of China’s GDP, more than 60% of total industrial output, 76.6% of new industrial output value, 57% of sales, 60% of exports, more than 40% of the tax and 75% Jobs are from SMEs. As one of the most dynamic and growth force, it plays an important role in the development of the national economy. However, due to various reasons, SMEs also face many problems in their development. The most prominent one is the financing difficulties. At present, the financing channels for SMEs in our country are single with about 98.7% coming from bank loans and the risks are highly concentrated in the banks. However, the credit rating of SMEs themselves is low and lacking