截至去年末,在全国各级工商部门注册的中小企业已达430多万户,占注册企业总数的99%,创造了全国GDP的60%,缴纳的税收占总量的50%,吸纳了75%以上的城镇就业人口。全国有66%的发明专利和82%的研发新产品为中小企业创立。中小企业在国民经济的地位和作用日益显著,然而中小企业在发展过程中面临的融资难问题并未得到明显改善。因为目前中小企业主要依赖于银行间接融资,但是中小企业既有自身规模小,资产少,负债率 As of the end of last year, more than 4.3 million SMEs registered with the business sector at all levels across the country, accounting for 99% of the total number of registered enterprises, creating 60% of the national GDP, paying 50% of the total tax revenue and absorbing 75 Urban employment in more than%. 66% of the country’s invention patents and 82% of R & D new products were created for SMEs. The status and role of SMEs in the national economy have become increasingly prominent. However, the financing difficulties faced by SMEs in the process of development have not been significantly improved. Because SMEs rely mainly on indirect bank financing, but small and medium-sized enterprises have both their own small size, less assets, debt ratio