近年来,通过市政府和有关金融机构的多方努力,天津市中小企业融资问题有所改观,但还未从根本上彻底解决。在后金融危机时代,天津中小企业生存发展面临的形势不容乐观,外需不足依然严峻,商业银行风险防范加强,信贷支持呈缩减趋势,广大中小企业仍将长期面临经营困难、甚至资金链断裂的威胁。因此,必须加大政策支持力度,改善融资服务,切实缓解天津中小企业融资困难。 In recent years, with the concerted efforts of the municipal government and relevant financial institutions, the issue of SME financing in Tianjin has been somewhat improved, but it has not yet been fundamentally solved. In the post-financial crisis era, the survival and development of small and medium-sized enterprises in Tianjin are not optimistic. The external demand shortage is still grim. The risk prevention of commercial banks is intensifying. The credit support is decreasing. The majority of SMEs will still face long-term management difficulties and even the risk of financial chain rupture. . Therefore, we must increase policy support, improve financing services, and effectively alleviate the financing difficulties of SMEs in Tianjin.