中小型企业对国民经济的发展有着至关重要的作用。据国家工商行政管理总局的数据显示,截至2008年底,全国实有企业971.46万户,其中99%以上为中小企业,中小企业对GDP的贡献超过60%,对税收的贡献超过50%,提供了近70%的进出口贸易额和80%左右的城镇就业岗位。但同时中小企业融资难却是一个普遍性的问题。在任何一 Small and medium-sized enterprises play a crucial role in the development of the national economy. According to statistics from the State Administration for Industry and Commerce, as of the end of 2008, there were 9,714,600 actual enterprises nationwide, of which 99% are SMEs, SMEs contribute more than 60% of GDP, more than 50% of tax revenue, and provide Nearly 70% of the import and export trade volume and about 80% of urban jobs. But at the same time, financing of SMEs is not a universal problem. In any one