我国中小企业由于受自身的固有缺陷,缺乏有力的政府政策扶持,金融体制落后,金融市场不发达,市场信用体系缺失等一系列原因的影响,长期面临融资困难的尴尬局面。中小企业长期缺乏成长资金和应有的金融服务,影响了企业的活力,也直接影响着我国经济的健康、稳定和可持续发展。 Because of its inherent flaws, the lack of strong government policy support, the backward financial system, the underdeveloped financial market and the lack of market credit system, SMEs in China are facing the embarrassing situation of financing difficulties for a long time. The long-term lack of growth funds and due financial services for SMEs have affected the vitality of enterprises and have a direct impact on the healthy, stable and sustainable development of our economy.