我国中小企业融资难 以乡镇企业和民营企业为代表的中小企业已经成为整个国民经济中的重要组成部分,但中小企业融资难的问题仍未得到改善。 造成中小企业融资难的原因是多方面的,既有经济学上的共性,也有我国在融资体制上的特殊原因。以商业银行为代表的金融中介机构能够在间接融资过程中降低筹融资的交易成本,发挥规模经济的优势;同时需要提高信息搜寻的效 Small and medium-sized enterprises (SMEs), which are difficult to finance by SMEs in our country, have become an important part of the entire national economy. However, the problem of financing difficulties for SMEs has not been improved yet. There are many reasons for the difficulties of SME financing, which are not only common in economics but also special reasons for China's financing system. Financial intermediaries represented by commercial banks can reduce the transaction costs of financing and indirect financing, and give play to the advantages of economies of scale. At the same time, it is necessary to improve the effectiveness of information search