改革开放以来,中小企业以船小好掉头的优势,在改革开放中不断壮大起来。现在中小企业在国民经济中的地位举足轻重,已成为推动经济快速增长的重要生力军和维护社会稳定的一支重要力量。但随着中小企业在市场竞争中的迅速发展与壮大,其贷款难已成为中小企业发展中的瓶颈。解决这一难题,需要中小企业、金融部门的共同努力。 Since the reform and opening up, small and medium-sized enterprises have been making a good start by expanding their fleets in reform and opening up. Nowadays, small and medium-sized enterprises play an important role in the national economy and have become an important force promoting the rapid economic growth and an important force for maintaining social stability. However, with the rapid development and growth of small and medium-sized enterprises in the market competition, their loans have become a bottleneck in the development of SMEs. To solve this problem, we need the joint efforts of SMEs and financial departments.