中小企业在我国国民经济中占有十分重要的地位,无论是从其创造的产值及利税来看,还是从其吸纳就业、促进市场竞争的作用来看,中小企业都是一支非常重要的力量。但不可否认,目前我国中小企业的发展还存在许多问题,其中融资难问题一直是制约其发展的瓶颈。一、中小企业融资难的原 Small and medium-sized enterprises occupy a very important position in the national economy of our country. From the perspective of output value and profits and profits created by SMEs, or from their role of absorbing employment and promoting market competition, SMEs are a very important force. However, it is undeniable that there are still many problems in the development of SMEs in our country at present, among which the financing difficulties have always been the bottleneck restricting their development. First, the difficult financing of SMEs