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我国中小企业普遍存在贷款难、担保难、抵押难，中小企业对国民经济发展的贡献率与其对金融资源的占有率极不相称。拓展中小企业融资渠道，建立中小企业信用担保组织体系，积极开展直接融资、间接融资。
SMEs in our country are experiencing difficulties in providing loans, difficulties in guaranteeing loans and difficulties in mortgage payments. The contribution rate of SMEs to the development of the national economy is disproportionately high compared with their share of financial resources. Expand financing channels for SMEs, establish a credit guarantee organization system for SMEs, and actively carry out direct financing and indirect financing.