我国中小企业对国民经济的贡献率不断提高,其发展问题日益受到社会各方面的普遍关注。但中小企业的发展承受着至少来自四个方面的压力:一是融资渠道不畅;二是市场秩序混乱;三是企业负担过重;四是一些经营者知识水平不能适应现代生产和国际竞争需要。其中融资难是制约其发展的最主要因素。 造成中小企业融资不畅的原因是多方面的。首先,缺乏为中小企业服务的资本市场。其次,缺乏有效的融资工具。中小企业既需要有针对现金流的贷款,也需要有一些针对人的贷款,我们的金融机构必须有一些新的工具,才能满足他们的需要。第三,缺乏必要的金融中介机构。从目前的情况看,专门为 The contribution rate of our country's small and medium-sized enterprises to the national economy has been constantly increasing, and their development issues have drawn increasing attention from all sectors of society. However, the development of SMEs is under pressure from at least four aspects: First, poor access to financing; second, market disorder; third, overburdened enterprises; fourth, some managers' knowledge level can not meet the requirements of modern production and international competition . Among them, financing is the most important factor that restricts its development. SMEs caused by poor financing for many reasons. First, there is a lack of capital markets for SMEs. Second, there is a lack of effective financing tools. SMEs need both loans for cash flow and some people-oriented loans. Our financial institutions must have some new tools to meet their needs. Third, the lack of necessary financial intermediaries. From the current situation, specifically for