在改革开放中异军突起的乡镇企业,现已发展成为我国工业的半壁江山。它为深化农村改革,发展农村经济,提高农民收入,繁荣城乡市场,转移农村剩余劳动力,增加社会有效供给,以及加快区域经济工业化进程,作出了重大贡献。实践证明,发展乡镇企业是振兴我国农村经济的必由之路。在充分肯定成绩的同时,更要清醒地看到当前乡镇企业发展和提高所面临的困难和问题,并尽快采取相应措施切实加以解决。从宏观看,当前及未来一个时期乡镇企业发展面临的主要困难和问题有三个方面:一是资金异常紧缺。突出表现为贷款规模备 The township and town enterprises that have emerged from the reform and opening up have now developed into half of China’s industry. It has made significant contributions to deepening rural reforms, developing rural economies, increasing farmers’ incomes, prospering urban and rural markets, transferring surplus rural labor, increasing effective social supply, and accelerating the process of regional economic industrialization. Practice has proved that the development of township enterprises is the only way to revitalize China’s rural economy. While fully affirming the achievements, we must clearly see the current difficulties and problems faced by the development and improvement of township and township enterprises, and take corresponding measures as soon as possible to solve them. From a macro perspective, the main difficulties and problems facing the development of township and township enterprises in the current and future periods are threefold: First, the funds are in short supply. Outstanding performance for loan scale preparation