以农村乡镇集体企业、城市集体企业和城乡个体私营企业等新兴非国有小企业为主的中国小企业,经过改革开放以来２０年突飞猛进的发展,已经成为国民经济发展的重要推动力量。与此同时,现有经济金融体制和资源禀赋对于小企业支持的局限性也越来越明显。１９９４年以来城镇集体企业 Small and medium-sized enterprises (SMEs), mainly emerging rural non-state owned enterprises such as rural collective enterprises, urban collective enterprises and urban and rural individual and private enterprises, have achieved rapid development over the past 20 years since the reform and opening up and have become an important driving force for the development of the national economy. At the same time, the limitations of existing economic and financial systems and endowments of resources on small-sized enterprises are also becoming more and more obvious. Town collective enterprises since 1994