12月29日,工业和信息化部总工程师朱宏任在中国社科院财经战略研究院主办的“财经战略年会2012”上提出,近年来中小企业,特别是小微企业整体融资环境有所改善,截至2012年10月底,我国小微企业贷款余额已占全部贷款余额的21.72%,连续三年实现持续增长。但距离真正解决其融资难问题仍有差距,亟须建立与不同层次中小企业需求相匹配的多层次融资体系。朱宏任说,近年来中小企业融资 On December 29, Zhu Hongren, chief engineer of the Ministry of Industry and Information Technology, proposed at the “Financial and Economic Annual Meeting 2012” sponsored by the Institute of Financial and Strategic Studies of the Chinese Academy of Social Sciences. In recent years, the overall financing environment for SMEs, especially small and micro enterprises As of the end of October 2012, the loan balance of China's small and micro enterprises accounted for 21.72% of the total loan balance, achieving sustained growth for three consecutive years. However, there is still a long way to go before the financial difficulties can be solved. It is imperative to establish a multi-level financing system that matches the needs of SMEs at different levels. Zhu Hong Ren said that in recent years, SME financing