随着我国社会主义市场经济的不断发展和完善,中小微企业在社会经济发展中所占有的地位日益突出,成为推动我国经济增长的重要力量。它在调整产业结构、扩大就业、推动科技进步以及增加国家财政收入等方面都具有大企业无法替代的重要地位。改革开放以来,徐州市的中小微企业不断发展壮大,在国民经济中所占的比重日益增加,以中小微企业为主体的民营经济发展迅速。但是,许多中小微企业由于自身规模较小、管理水平低、抗风险能力弱等弱点,很难从银 With the continuous development and improvement of China’s socialist market economy, small and medium-sized enterprises have become increasingly prominent in the social and economic development and have become an important force in promoting China’s economic growth. It has an important position that large enterprises can not replace in terms of adjusting industrial structure, expanding employment, promoting scientific and technological progress and increasing state revenue. Since the reform and opening up, the small and medium-sized micro-enterprises in Xuzhou have been continuously developing and expanding, their proportion in the national economy has been increasing day by day, and the non-government economy dominated by small, medium and micro-enterprises has been developing rapidly. However, because of their small size, low management level and weak anti-risk ability, many small and medium-sized micro-enterprises are difficult to obtain from silver