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中小企业是国民经济发展的一支主力军,其数量占我国企业总数的大部分,对经济发展和社会稳定起着举足轻重的促进作用。但受金融危机的影响,不少中小企业处于经营困局,究其原因,融资难已经成为制约中小企业发展的主要瓶颈。如何有效改善中小企业融资境况,降低中小企业融资成本,已成为中小企业发展的关键问题。
Small and medium-sized enterprises are the main force for the development of the national economy, accounting for the majority of the total number of enterprises in our country and playing a decisive role in promoting economic development and social stability. However, due to the financial crisis, many small and medium-sized enterprises are in a dilemma of management. The reason is that financing difficulties have become the major bottleneck restricting the development of small and medium-sized enterprises. How to effectively improve the financing situation of SMEs and reduce the financing cost of SMEs has become a key issue for the development of SMEs.