一是解决好中小企业的融资问题。为此,要开辟新的融资渠道,如利用香港的第二板市场为风险投资开拓退出的管道;金融机构建立对安全性和盈利性的对称激励,调动它们放贷的积极性;发展适合于中小企业的金融组织,在对信用社等小型金融组织进行整顿时,要防止“一刀切”的做法,保护和发展那些适合于中小企业需要的小型金融机构;建立中小企业信贷担保机构,分散控制风 First, solve the financing problem of small and medium enterprises. To this end, we must open up new financing channels such as using the second board market in Hong Kong to open up ventures for venture capital ventures. Financial institutions should establish symmetrical incentives for safety and profitability and mobilize their enthusiasm for lending. The development of a suitable financing channel for SMEs Of financial organizations should prevent “one-size-fits-all” practices in the consolidation of small financial organizations such as credit unions to protect and develop those small financial institutions that are suitable for the needs of small and medium-sized enterprises; to establish a credit guarantee agency for SMEs to diversify the control of the wind