在融资方面 ,中小企业与大企业相比 ,明显处于担保能力低、融资成本高、资信差等弱势 ,加之在我国利率尚未实现市场化的条件下 ,银行等金融机构为中小企业提供资金支持就意味着要负担更高的成本、承担更大的风险。因此 ,中小企业融资问题实质上就是中小企业在金融市场上融资难 In terms of financing, SMEs are apparently at a disadvantage of low guarantee capacity, high financing costs and poor credit balance compared with large enterprises. In addition, under the condition that the interest rate of our country has not yet been marketized, financial institutions such as banks provide financial support to small and medium-sized enterprises Means to pay higher costs, take greater risk. Therefore, the issue of SME financing is essentially the financing difficulty of SMEs in the financial markets