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中小企业是国民经济发展的一支主力军,其数量占我国企业总数的大部分,对经济发展和社会稳定起着举足轻重的促进作用。但受2008年金融危机的影响,目前不少中小企业处在亏损状态或倒闭边缘,究其原因,融资难已经成为制约中小企业发展的主要瓶颈。如何有效改善中小企业融资境况,成为中小企业发展的关键问题。
Small and medium-sized enterprises are the main force for the development of the national economy, accounting for the majority of the total number of enterprises in our country and playing a decisive role in promoting economic development and social stability. However, due to the financial crisis in 2008, many small and medium-sized enterprises are now at the edge of loss or bankruptcy. The reason for this is that financing difficulties have become the major bottleneck restricting the development of SMEs. How to effectively improve the financing situation of SMEs has become a key issue for the development of SMEs.