在企业成长的不同阶段,随着信息、资产规模等约束条件的变化,企业的融资渠道和结构也应随之变化长期以来,中国的中小企业平均寿命仅有2.9年,每年都有30%左右的中小企业关门倒闭,在企业倒闭的众多原因中,85%是由于“融资难”问题得不到解决。这是中小企业不可避免的“成长的烦恼”。 In different stages of business growth, as the constraints of information and asset size, the financing channels and structure of enterprises should also change. For a long time, the average life expectancy of SMEs in China is only 2.9 years, about 30% each year Of the SMEs closed down, many of the reasons for the collapse of the business, 85% because “financing difficulties ” problem can not be solved. This is inevitable for SMEs “growth troubles ”.