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中小企业融资是一种为贫困者提供发展资金的融资方式,是指专门向低收入群体和微型企业提供额度较小的持续信贷服务。中小企业融资可以由商业银行、农村信用社等正规金融机构提供,也可以由专门的中小企业融资机构提供。中小企业融资既是一种信贷机制,同时又是一揽子金融产品,虽然其主要目标是扶贫,是一种扶贫手段,但从法律制度上看,其本质是一种金融法律服务,是为传统金融不能覆盖的广大有生产能力和愿望的低收入阶层提供稀缺的金融要素,使他们逐步摆脱贫困和加速发展,这就需要法律的保驾护航。
SME financing is a way of financing development for the poor and refers to the provision of continuous credit services to low-income groups and micro-enterprises with a relatively small amount. SME financing can be provided by formal financial institutions such as commercial banks and rural credit cooperatives, or by specialized SME financing agencies. Although SME financing is both a credit mechanism and a basket of financial products, although its main objective is to help the poor, it is an instrument of poverty alleviation. However, in the legal system, its essence is a financial legal service, The vast majority of low-income sectors covered by productive capacity and aspirations provide scarce financial elements so that they can gradually emerge from poverty and accelerate their development. This requires the escort of law.