近期,国家为了鼓励中小企业尽快走出金融危机的困境,陆续出台了许多有利于中小企业发展的融资政策,多数商业银行也相应制订了为中小企业方便融资的信贷政策,甚至成立了专门的信贷机构,独立为中小企业融资服务。中小企业,作为我国经济 Recently, in order to encourage SMEs to step out of the downturn in the financial crisis, the state has introduced many favorable policies for the development of small and medium-sized enterprises. Most commercial banks have also formulated credit policies to facilitate the financing of SMEs and even established specialized credit agencies , Independent financing services for SMEs. Small and medium-sized enterprises, as our economy