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一、中小企业的特点1.结构灵活,创新能力强,工作效率高。与大企业相比,中小企业组织灵活,经营富有弹性,比大企业有更强的应变能力,规模小,灵活性强。但中小企业的经营规模、资金实力、政府的支持度等在竞争中处于劣势,形成巨大的生存压力。2.中小企业规模小,业务单一,行业分散。中小企业的规模小主要体现在年营业额较少,资金投入量不大。这与融资渠道有关,主要靠企业内部借款,而银行的资金支持很有限。涉
First, the characteristics of SMEs 1. Flexible structure, innovative ability, high efficiency. Compared with large enterprises, small and medium-sized enterprises are flexible in organization, flexible in operation, stronger in resilience than large enterprises, small in scale and highly flexible. However, the scale of operation, financial strength and government support of SMEs are at a disadvantage in the competition and form tremendous pressure of survival. 2. Small and medium-sized enterprises are small, single business, industry fragmented. The small size of SMEs is mainly reflected in the small annual turnover, capital investment is not large. This is related to financing channels, mainly by internal borrowings, and the bank’s financial support is limited. Involving