“每一个企业都有从小型、中型到大型这样一个过程,都有自己的发展目标。在这一发展过程当中,它需要一系列生产力和生产要素的支持,也需要自身不断地审时度势,在政府政策的积极引导与银行贷款政策的支持下,加快产业转型升级,获得更大的发展平台。”江苏金辰针纺织有限公司董事长殷金华谈到中小企业融资难问题时这样说道。据悉,由于江浙一带用工荒导致工人工资福利普遍上涨,加之地方税收的压力,导致企业生产运行的总成本增加。但现阶段纺织服装行业内部竞争充分,产品价格之战越演越烈。为了获得持续发展,企业需要融资, “Every business has its own development goals, from small to medium to large, and in this development it needs support from a range of productivity and production factors as well as its own ability to keep a watchful eye on the situation. Government policies and actively guide the bank loan policy, with the support of accelerating industrial restructuring and upgrading, access to a larger platform for development. ”Kim Jin-pin Textile Co., Ltd., Jiangsu Jinhua Hu talked about the difficult issue of SME financing, said so. It is learned that due to labor shortage in Jiangsu and Zhejiang led to a general rise in wages and benefits, coupled with the pressure of local taxes, resulting in the total cost of production and operation of enterprises increased. However, the internal competition in the textile and apparel industry is full at this stage, and the war on product prices is intensifying. In order to obtain sustainable development, enterprises need financing,