农业小企业在国民经济增长中占有举足轻重的地位,能为城乡居民提供许多就业机会,无论从经济发展还是从吸纳就业角度考虑,妥善解决企业融资问题都意义重大。但是,由于小企业融资成本高昂,加之信贷资金供求矛盾突出,其融资难问题已成为制约小企业有效发 Small agricultural enterprises play a decisive role in the growth of the national economy and can provide many urban and rural residents with many employment opportunities. It is of great significance both in terms of economic development and employment consideration to solve the problem of corporate financing properly. However, due to the high financing cost of small enterprises and the prominent contradiction between supply and demand of credit funds, the problem of financing difficulty has become an issue that restricts the effective development of small enterprises