改革开放以来,我国中小企业得到了迅猛的发展,对我国国民经济的贡献率不断提高,中小企业在促进经济增长、创造就业机会、增加农民收入、转移农村富余劳动力等方面发挥越来越重要的作用。但是,最近几年,我国中小企业的发展面临着很大的困难。尤其影响我国中小企业进一步发展的最重要的因素是中小企业融资渠道狭窄、融资数量少、融资结构不合理、融资成本高。如对工业增加值贡献率不到30%的国有企业占用了70%以上的银行贷款,但创造了70%的 Since the reform and opening up, China’s small and medium-sized enterprises have witnessed rapid development, and their contribution rate to China’s national economy has been constantly increasing. SMEs play an increasingly important role in promoting economic growth, creating employment opportunities, increasing peasants’ income and transferring rural surplus labor force effect. However, in recent years, the development of SMEs in our country is facing great difficulties. In particular, the most important factor that affects the further development of SMEs in our country is that SMEs have a narrow financing channel, a small amount of financing, an unreasonable financing structure and a high financing cost. For instance, state-owned enterprises, which contribute less than 30% of the added value of their industries, account for more than 70% of bank loans, but 70%