国际金融危机对我国实体经济构成较大冲击,经济下滑风险加大。以出口为主的劳动密集型的中小企业是这场金融风暴的最大受害者。由于欧美消费能力萎缩,很多中小企业订单锐减,导致现金流紧张,经营风险加大,使其融资更加困难。同时,经济增速放缓使得银行贷款趋于保守,对于中 The international financial crisis has a big impact on the real economy of our country and risks of economic decline have increased. Labor-intensive SMEs, which are mainly export-oriented, were the biggest victims of the financial turmoil. Due to shrinking spending power in Europe and the United States, many SME orders dropped sharply, resulting in tight cash flow and increased operating risks, making it more difficult for them to raise funds. At the same time, slowing economic growth made bank lending tend to be conservative