随着市场经济的发展,中小企业已逐步成为推动国民经济发展,促进社会稳定的新生力量。但是今年来,融资难、贷款难、寻保难一直困扰着中小企业,成为制约中小企业生存与发展的症结。中小企业融资难的客观原因:一是部分企业的抵押品不足,贷款风险较大;二是中小企业贷款具有’急、频? With the development of market economy, SMEs have gradually become the new forces that promote the development of national economy and promote social stability. However, this year, it is difficult to raise funds, loans are difficult, and it is hard to find a guarantee. It has always plagued SMEs and has become the crux of restricting the survival and development of SMEs. The objective reasons for the difficulty of financing for SMEs: First, some enterprises lack of collateral, a greater risk of loans; Second, SME loans with ’urgent, frequent?