中小企业是我国国民经济和社会发展的重要力量,促进中小企业发展,是保持国民经济平稳较快发展的重要条件,是关系民生和社会稳定的重大战略任务。本文将从内生异质性的角度重点分析困扰中小企业已久的融资问题。 Small and medium-sized enterprises are an important force in our country’s national economy and social development. Promoting the development of small and medium-sized enterprises is an important condition for maintaining the steady and rapid development of the national economy and a major strategic task concerning the livelihood and social stability. This article will focus on endogenous heterogeneity from the perspective of long-troubled SMEs financing problems.