中小企业是市场经济发展的主体,一直以来为福建省地方政府创造了50%以上的税收、60%以上的地区生产总值、70%以上的就业,在经济社会发展中发挥了重要作用。但自从全球金融危机爆发后,受欧美经济下滑,购买力下降以及原材料价格上涨、劳动报酬增加,我国又取消了部分出口退税等多重压力的挤压下,中小企业的成本、利润迫近临界点,生存空间面临严峻挑战。再加上出口需求回暖不稳定等现象,影响着中小企业的发展。本文笔者就当前对福建省莆田市地方经济贡献较大的几大产业集群中具代表性的企业开展调查,结合典型案例分析。提出了政府要加快出台切实可行的扶持政策承,企业从自身出发提升产业升级,金融机构实行信贷倾斜政策,真正做到银企业双赢的目的。 Small and medium-sized enterprises are the main body of the development of market economy. They have always created more than 50% tax revenue for local governments in Fujian Province. Over 60% of their GDP and over 70% of their employment have played an important role in economic and social development. However, since the outbreak of the global financial crisis, due to the economic downturn in Europe and the United States, the declining purchasing power, rising raw material prices, increased labor remuneration, and the elimination of some export tax rebates in China and other multiple pressures, the costs and profits of SMEs are approaching the critical point and surviving Space is facing serious challenges. Coupled with the phenomenon of unstable export demand pick up, affecting the development of SMEs. In this paper, the author of the current Putian City, Fujian Province, a larger contribution to the local economy in several large industrial clusters in representative enterprises to carry out investigations, combined with typical case analysis. Proposed that the government should speed up the introduction of practicable supportive policies and commitments. Enterprises should start from their own priorities to promote industrial upgrading, and credit institutions should adopt credit lean policies so as to achieve a win-win situation for both banks and enterprises.