中小企业在我国经济发展中具有重要的地位,在增加就业机会、缓解就业压力、带动民间投资、促进市场繁荣和保持社会稳定等方面发挥着重要作用,中小企业撑起了我省经济和社会发展的半壁江山。然而,中小企业无论是间接融资还是直接融资,都受到外部、内部的多种因素影响,这些因素往往交织在一起,加大了企业的融资难度和融资成本。 SMEs play an important role in the economic development of our country and play an important role in increasing employment opportunities, alleviating employment pressure, boosting private investment, promoting market prosperity and maintaining social stability. SMEs hold up the economic and social development in our province Half of the country. However, SMEs, whether indirect financing or direct financing, are affected by many external and internal factors, which are often intertwined and increase the difficulty of financing and financing costs.