我国现有的以银行信贷为主导的融资体系还是一个主要为成熟企业和大企业服务的体系。从小企业特别是创新型企业的现实特点出发,现有融资体系的缺陷主要是私募资本市场发展不足,缺乏天使资金,风险投资发育缓慢,公开资本市场融资工具较少,银行体 The existing financing system dominated by bank credit in our country is still a system mainly serving mature enterprises and large enterprises. Starting from the realistic characteristics of small enterprises, especially innovative ones, the shortcomings of the existing financing system are mainly the lack of development of private capital markets, the lack of angel funds, the slow development of venture capital, the lack of financing tools in open capital markets,