改革开放以来,我国的中小企业主要是民营企业获得了迅速发展,已成为国民经济的重要组成部分,成为我国全面实现小康目标的重要力量,在发展经济﹑扩大就业﹑活跃市场等方面发挥着重要作用。但是由于其规模相对较小、科技含量整体相对较低等客观条件的限制,中小企业要在未来激烈的国内外市场竞争中获得长足发展,现实中面临着许多环境障碍,存在诸如融资难﹑赋税重﹑社会化服务体系跟不上等问题。在这些问题中,融资难的问题又最为突出,严重制约了中小企业的发展壮大,这也是我将在这篇论文中着重论述的问题。 Since the reform and opening up, China's small and medium-sized enterprises (SMEs), mainly private-owned enterprises, have enjoyed rapid growth and have become an important part of the national economy. They have become an important force for achieving the goal of well-off society in an all-round way and have played an important role in economic development, employment expansion and active markets effect. However, due to its relatively small size and relative low overall technological content, SMEs are expected to make great strides in the future fierce competition in domestic and overseas markets. In reality, they face many environmental obstacles, such as difficulties in financing, taxation Heavy ﹑ social service system can not wait for equal problems. Among these problems, the problem of financing is the most prominent, seriously restricting the development and growth of small and medium-sized enterprises, which is also the issue that I will focus on in this paper.