改革开放以来,我国社会主义市场经济不断发展,中小企业发展较为迅速,在推动经济增长、创造就业机会、带动区域发展等方面起着举足轻重的作用。然而融资难导致中小企业的生存、发展、壮大受到严重限制。因此,研究如何解决中小企业融资难问题,对于中小企业发展、国民经济稳定增长等方面有着重要的理论与现实意义。 Since the reform and opening up, the socialist market economy in our country has been developing continuously. The development of SMEs has been relatively rapid. It plays a decisive role in promoting economic growth, creating employment opportunities and promoting regional development. However, the difficulty of financing has led to the serious limitation of the survival, development and growth of SMEs. Therefore, studying how to solve the financing difficulty of SMEs has important theoretical and practical significance for the development of SMEs and the steady growth of the national economy.