专业化经营是未来我国小企业金融服务发展的必然方向,专营体制更有利于促进小企业业务实现规模、效益、质量的协调发展目前小企业融资难问题存在的原因主要有四种情况:一是地方经济结构调整,不符合经济转型方向的企业反映融资更难,银行出于风险考虑不敢贷。二是市场不确定性因素存在,特别是以出口为主导的小企业受世界经济不确定性的影响,经营前景不明朗,银行不敢贷。三是市场资金面偏紧。受通胀高企的影响,企业原材料、工资等经营成本上 Specialized operation is the inevitable direction for the development of financial services for small enterprises in the future. The franchise system is more conducive to promoting the coordinated development of small-scale enterprises with economies of scale, efficiency and quality. There are mainly four reasons for the existence of small-enterprise financing problems: Local economic restructuring, not in line with the direction of economic restructuring reflects the financing more difficult for banks to consider for risk loans. Second, uncertainties in the market exist. In particular, small-sized export-led enterprises are subject to uncertainties in the world economy. Their business prospects are uncertain and banks are not willing to lend. Third, market funds face tight. Affected by high inflation, business raw materials, wages and other operating costs