目前,我国在工商注册登记的中小企业已经超过1000万家,占全国工商注册企业总数的99%。中小企业还为社会提供了大约75%的城镇就业机会。在健全的市场经济中,市场这一“无形的手”应将资金等资源按中小企业对社会的贡献进行合理分配。但现实并非如此,“融资难”问题成为制约我国中小企业发展的“瓶颐”。其 At present, China has registered over 10 million SMEs in business registration, accounting for 99% of the total number of registered business enterprises in the country. SMEs also provide about 75% of urban employment opportunities for the community. In a sound market economy, the “invisible hand” of the market should rationally allocate such resources as small and medium-sized enterprises’ contribution to society. However, the reality is not so. The issue of “financing difficulty” has become a bottle-neck bottleneck restricting the development of SMEs in our country. its