长期以来,“融资难”一直是制约我国小企业尤其是农村地区小企业发展的瓶颈问题。与小企业“融资难”相对应的,是农村中小金融机构的“难贷款”。出现这一现实矛盾的一个重要原因,是金融机构在信贷支持小企业的模式和策略上与小企业的融资需求存在着错位。实践证明,农村金融机构原有的信贷模式和策略已经无法适应小企业“融资难”问题的最终解决。要彻底破解小企业融资难的传统难题,农村金融机构必须 For a long time, “financing difficulties” has always been a bottleneck restricting the development of small enterprises in our country, especially in rural areas. And small businesses “financing difficulty ” corresponds to the “small and medium financial institutions in rural areas ” hard loan ". An important reason for this contradiction in reality is that there are dislocations between the financial institutions and the financing needs of small enterprises in the mode and strategy of credit supporting small businesses. Practice has proved that the original credit models and strategies of rural financial institutions have not been able to adapt to the final solution to the problem of small enterprises financing difficulties. To thoroughly solve the traditional problem of financing small businesses, rural financial institutions must