金融危机影响了全球的消费信贷和企业融资,使全球经济发展增加了不确定性。在金融危机背景下,我国中小企业的生存发展面临严峻的考验。一是内在压力使企业举步维艰。如融资困难加剧,用工成本上升,内需不振造成产品销售不畅。二是外在风险加剧。如全球经济发展趋缓,美元持续贬值,原油、金属矿石等原材料价格又回到高 The financial crisis has affected global consumer credit and corporate finance, adding to the uncertainty of global economic development. In the context of the financial crisis, the survival and development of SMEs in our country are facing a severe test. First, the internal pressure makes the enterprise difficult. Such as increased financing difficulties, rising labor costs, sluggish domestic demand resulting in poor product sales. Second, the external risks intensified. If the global economy slows down and the U.S. dollar continues to depreciate, prices of raw materials such as crude oil and metal ores will return to high levels