随着市场经济改革的不断深化,中小企业在我国国民经济发展中的地位越发突出,已逐渐成为商业银行潜在的黄金客户。但实际工作中,金融机构对中小企业的资金需求非常谨慎。其主要原因是,一方面,部分中小企业内部财务制度、财务管理不规范、不稳定,无法满足银行信贷、结算业务等方 With the continuous deepening of the market economy reform, the status of SMEs in the development of our national economy has become increasingly prominent, and has gradually become a potential gold client of commercial banks. However, in actual work, the financial institutions are very cautious about the funding needs of SMEs. The main reason is that on the one hand, some SMEs internal financial system, financial management is not standardized, unstable, unable to meet the bank credit, settlement business, etc.