小企业融资难是全国普遍存在的一个共性问题,严重制约着小企业的发展。据统计,2002年末,黑龙江省国有小型工业企业2028户,占全省工业企业总户数的78.2%;实现增加值136.7亿元,占全省工业增加值的10.8%;职工人数40.2万人,占全省工业企业职工人数的23.8%。由此看到,小企业不仅成为 Small-sized enterprise financing is a common problem that is ubiquitous in the country, which seriously restricts the development of small-scale enterprises. According to statistics, at the end of 2002, 2028 state-owned small-scale industrial enterprises in Heilongjiang Province accounted for 78.2% of the total number of industrial enterprises in the province; the added value reached 13.67 billion yuan, accounting for 10.8% of the total industrial added value of the province; the number of workers was 402,000, Accounting for 23.8% of the workers in the province's industrial enterprises. This shows that small businesses not only become