面对当前的经济形式,利率的下降对消费影响巨大,消费者的存款减少,其他投资增多,对中小企业而言既有机会也有困难,中小企业只有规范自身的财务行为,解决信用担保问题,适应当前的经济环境,才能在利率下降的情况下取得良好的发展。 Faced with the current economic situation, declining interest rates have a huge impact on consumption, consumer deposits have been reduced, and other investments have increased. There are both opportunities and difficulties for SMEs. SMEs can only regulate their own financial behavior and solve the problem of credit guarantee, In order to adapt to the current economic environment, we can achieve sound development with declining interest rates.