改革开放以来，我国个体私营经济从小到大，以惊人的速度发展，已成为国民经济中一支不可忽视的力量。但是由于个体私营企业的特殊性质和发展历程，几乎从诞生的那一天起，资金问题就一直是困扰其发展的最大障碍。改革开放初期，个体工商户和私营企业的金融环境相对宽松；SO年 Since the reform and opening up, China’s individual and private economy has grown from an early age to an alarming speed and has become a force that can not be ignored in the national economy. However, due to the special nature and course of development of individual and private enterprises, almost from the day of its birth, the issue of funding has been the biggest obstacle to its development. In the early stage of reform and opening up, the financial environment for individual industrial and commercial households and private enterprises was relatively relaxed; SO years