中小企业是我市国民经济的重要组成部份和经济发展的增长点，2001年全市中小企业上缴的税收占财政总收入的65%。中小企业在快速发展的同时，但也面临着在发展中竞争压力的加剧和资金筹措的困难。一是原始资本投入少，生产资金严重不足，大多中小企业只能维持简单再生产。企业资 Small and medium-sized enterprises are an important part of our national economy and an economic growth point. In 2001, the tax paid by SMEs in the city accounted for 65% of the total financial revenue. While SMEs are growing rapidly, they are also faced with the difficulty of intensifying competitive pressures and financing in their development. First, the original capital investment is small, a serious shortage of production funds, most SMEs can only maintain a simple reproduction. Enterprise funds