中小企业在我国经济中发挥着举足轻重的作用。目前，全国工商注册登记的中小企业超过1000万家，占全国企业总数的99％，产值和利税分别占60%和40％，提供了75％以上的就业机会。但是，金融对中小企业的信贷支持比例较低。一方面中小企业迫切需要信贷的大力支持，贷款难，另一方 SMEs play a decisive role in the economy of our country. At present, there are over 10 million SMEs registered with the State for Industry and Commerce, accounting for 99% of the total number of enterprises in the country. The output value and profits and taxes account for 60% and 40% respectively, providing more than 75% of employment opportunities. However, the financial support for SMEs is lower. On the one hand, SMEs urgently need the support of credit, loans are difficult and the other party