金融支持是中小企业群体健康快速成长的重要后盾,其效果的充分发挥依赖于化解来自政府和银行体系的一系列限制因素。政府作为政策的制定者,应遵循市场规律,平抑银企间表象矛盾,营造符合中小企业需求的金融政策体系,从而有效解决市场机制存在的市场失灵问题。银行等金融机构作为提供信贷的微观主体,应采 Financial support is an important backing for the healthy and rapid growth of small and medium-sized enterprise groups. The full effect of financial support depends on a series of limitation factors from the government and the banking system. As a policy maker, the government should follow the market rules, stabilize the contradictions between banks and enterprises, and create a financial policy system that meets the needs of SMEs so as to effectively solve the market failure existing in the market mechanism. Banks and other financial institutions as microcredit providers of credit should be adopted