中小企业是国民经济的重要组成部分,是保持经济平稳较快发展、确保财政收入增长和扩大就业、促进社会稳定的重要经济实体。但自去年以来,全球金融危机对我国中小企业的发展产生了较大冲击,而融资困难更成为制约其发展的最大障碍。今年年 Small and medium-sized enterprises are an important part of the national economy and an important economic entity that maintains steady and rapid economic development, ensures fiscal revenue growth, expands employment and promotes social stability. However, since last year, the global financial crisis has had a great impact on the development of SMEs in our country. However, financing difficulties have become the biggest obstacle to its development. This year