今年以来,浙江省温州中小企业老板“跑路潮”似乎越演越烈,民间借贷链条的频繁断裂,使得许多中小企业资金链异常紧张。但另一层面,我们也能看到国内市场的流动性还是比较充裕,只是从实体经济转移到了各种投资、投机的渠道中,中小企业融资难的问题没有得到很好的解决。笔者所在的兰溪农村合作银行,是一家地方性农村金融机构,长期以来不断探索和创新小企业金融服 This year, Wenzhou, Zhejiang Province, SME owner “running wave ” seems to be playing more fierce, frequent breakdown of the private lending chain, making many small and medium enterprises capital chain abnormal tension. However, on the other hand, we can see that the liquidity in the domestic market is relatively abundant. However, it has only shifted from the real economy to various channels of investment and speculation. The problem of financing difficulties for SMEs has not been well solved. Lanxi Rural Cooperative Bank, where the author is located, is a local rural financial institution that has long been exploring and innovating small business financial services