近年来，我国中小企业以其独有的活力和灵活的经营机制迅速崛起并发展壮大，成为推动我国经济增长的一支举足轻重的力量。然而，由于种种原因，目前我国中小企业融资渠道不畅、发展资金匮乏的矛盾日益突出，影响着其持续快速发展。 一、中小企业融资的现状及存在问题 （一）经 In recent years, our country's small and medium-sized enterprises (SMEs) have rapidly risen and developed with their unique vitality and flexible management mechanism, and have become a decisive force in promoting China's economic growth. However, due to various reasons, at present, the financing channels for SMEs in our country are sluggish and the contradiction between the lack of funds for development has become increasingly prominent, affecting their sustained and rapid development. First, the status of SME financing and existing problems (a) after