一、融资困难,资金严重不足。目前我国中小企业初步建立了较为独立、渠道多元的融资体系,但是,融资难、担保难仍然是制约中小企业发展的最突出的问题。其主要原因在于:(1)负债过多,融资成本高,风险大,造成中小企业信用等级低,资信相对较差;(2)国家没有专设中小企业管理扶持机构 First, financing difficulties, a serious shortage of funds. At present, China’s SMEs have initially established a relatively independent and diversified financing system. However, financing and guarantee are still the most prominent problems restricting the development of SMEs. The main reasons are: (1) excessive debt, high financing costs and high risks, resulting in low credit rating of SMEs and relatively poor creditability; (2) there is no special agency for SME management in China