近年来随着经济下行压力加大、企业生产成本攀升,加之市场预期不稳,中小企业的生存和发展面临艰难困境。特别在融资方面,融资难、还款压力大的矛盾突出,对宝应经济发展和社会稳定造成了较大影响。如何帮助企业化解融资之难、还贷之困,已成为党委、政府和相关部门密切关注和高度重视的紧迫课题。资金问题对面广量大的中小企业的影响集中表现在以下方面,一是融资手段有限,企业难以 In recent years, with the downward pressure on the economy and the rising production costs of enterprises, as well as the expected market instability, the survival and development of SMEs are facing a difficult predicament. Particularly in terms of financing, the contradiction between financing difficulties and repayment pressure is prominent, which has a great impact on the economic development and social stability of Baoying. How to help enterprises to solve the financing difficulties, the repayment of the storm has become the party committee, government and relevant departments pay close attention and attach great importance to the urgent task. The impact of a large number of large-scale financing problems across SMEs concentrated in the following areas, first, limited means of financing, business is difficult