中小企业是我国经济发展中一支最为活跃的力量 ,在国有企业经营困难 ,整体发展尚未恢复景气的大环境中 ,中小企业起着经济增长引擎的作用。缺少有效的融资渠道是制约中小企业发展的突出问题 ,从各国经济发展的经验及我国的现实状况看 ,建立大中小企业合理的产业分工链、发展创? Small and medium-sized enterprises (SMEs) are one of the most active forces in the economic development of our country. SMEs play a role as engines of economic growth in the difficult environment in which state-owned enterprises operate and the overall development has not yet recovered. The lack of effective financing channels is a prominent issue that restricts the development of SMEs. From the experience of various countries in economic development and the reality of our country, it is imperative to establish a rational industrial division of labor among large, medium and small-sized enterprises,