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一、中小企业融资现状与问题中小企业是我国经济的重要组成部分,在促进科技进步、增加就业、扩大出口等方面发挥着越来越大的作用。改革开放以来,我国的中小企业发展迅速,市场份额不断扩大,为我国的经济增长做出了极大的贡献。为数众多的中小企业积极参与市场竞争,一方面提高了市场效率,促进了经济增长;另一方面为社会创造了许多就业机会,在转移农村富余劳动力方面功不可没,进一步缓解了人多地少的矛盾。但近些年来由于企业竞争激烈,许多中小企业面临较大的困难,影响和制约中小企业发展的因素较多,其中最主要的就是中小企业融资难的问题,其主要表现是:一是对中小企业贷款限
I. SMEs Financing Status and Problems SMEs are an important part of China’s economy and play an increasingly important role in promoting scientific and technological progress, increasing employment and expanding exports. Since the reform and opening up, the small and medium-sized enterprises in our country have been developing rapidly and their market share has continuously expanded, making a great contribution to the economic growth of our country. The active participation of a large number of SMEs in market competition has not only boosted market efficiency and promoted economic growth, but also created many employment opportunities for the community and contributed to the transfer of surplus rural labor force, further alleviating the shortage of people and land Contradictions. However, due to the fierce competition among enterprises, many small and medium-sized enterprises are facing great difficulties in recent years. There are many factors that affect and restrict the development of small and medium-sized enterprises, the most important of which are the financing difficulties of small and medium-sized enterprises. Their main manifestations are as follows: Corporate loans limit