改革开放以来,中小企业已成为我国经济发展的主力军,在市场经济的舞台上扮演着重要的角色,在活跃经济、满足社会需求、扩大就业等方面作出了重要的贡献。但近年来,融资难已成为中小企业迅速发展的瓶颈,融资障碍问题已经影响到了它们的进一步发展壮大。这里固然有金融机构的问题和融资体系 Since the reform and opening up, SMEs have become the main force in the economic development of our country and have played an important role in the market economy stage. They have made important contributions in areas such as active economy, satisfying social needs and expanding employment. However, in recent years, financing has become a bottleneck for the rapid development of SMEs. The problem of financing obstacles has affected their further development and growth. There are, of course, problems with financial institutions and financing systems