改革开放三十几年来,中小企业在我国国民经济中已经占据了重要地位,但是在中小企业迅速发展的同时,也暴露出一些问题,例如:管理体制不完善,组织机构不健全,信用度不高等,这些都使得中小企业的融资问题日益突出。资金问题一直是困扰中小企业发展的一个重要问题,涉及到整个社会资源的配置和整合,具有普遍的社会意义。 In the three decades of reform and opening up, small and medium-sized enterprises have taken an important position in our national economy. However, while the rapid development of small and medium-sized enterprises, some problems have also been exposed. For example, the management system is imperfect, the organizational structure is not perfect, and creditability is not high , All of which make the financing problems of SMEs increasingly prominent. The issue of funding has always been an important issue plaguing the development of SMEs. It involves the allocation and integration of the entire social resources and has universal social significance.