一、我国中小企业的融资问题进入 90年代以来 ,我国中小企业由于种种主客观原因 ,在市场竞争中处于不利地位。当前许多中小企业面临的问题较多 ,其中融资难问题和与国企融资地位不平等问题最为突出。据统计 ,目前我国工业产值的 6 0 %和实现利税的 4 0 %均来源于中小企业 ;中小 First, the financing problems of small and medium enterprises in China Since the 90s, China's small and medium enterprises due to various subjective and objective reasons, in the market competition at a disadvantage. At present, many SMEs are facing many problems, of which the financing difficulties and the status of state-owned enterprises financing the most prominent issue of inequality. According to statistics, at present, 60% of China's industrial output and 40% of the profits and taxes come from SMEs;