随着我国社会主义市场经济的发展,中小企业在保证国民经济健康、快速、持续发展中的作用越来越重要。然而,融资困难这个世界性的问题在我国经济发展中也同样存在,目前已成为中小企业发展的“瓶颈”。孟加拉国格莱珉银行的发展对解决中小企业融资问题提供了很好的借鉴,我国的政府和银行应该从尤努斯模式这种创新性的金融模式中学习。 With the development of the socialist market economy in our country, the role of SMEs in guaranteeing a healthy, rapid and sustainable development of the national economy has become increasingly important. However, the worldwide problem of financing difficulties also exists in China’s economic development and has now become the “bottleneck” in the development of SMEs. The development of Grameen Bank in Bangladesh provides a good reference for solving the financing problem of SMEs. Our government and banks should learn from the innovative financial model of Yunus.