当前我国经济发展中有一个互相矛盾的现象 一方面银行和民间有大量的金融资产囤积和闲置,另一方面有许多中小企业发展需要资金却无处借贷迫使中小企业不得不用高利从地下钱庄等民间渠道筹集投资资金。这种现象不仅限制了中小企业的发展,也给整体经济发展带来不利的影响。产生这种现象的原因是多方面的,主要是中小企业,特别是民营企业缺少融资渠道。 At present, there is a contradictory phenomenon in the economic development of our country. On the one hand, there are a large number of banks and non-governmental financial assets hoarding and idle. On the other hand, many small and medium-sized enterprises need funds for development but nowhere to borrow so that SMEs have to use high profit from private banks such as underground banks Channel to raise investment funds. This phenomenon not only limits the development of small and medium-sized enterprises but also adversely affects the overall economic development. There are many reasons for this phenomenon, mainly because SMEs, especially private ones, lack financing channels.