随着我国改革的深入,中小企业得到了迅速发展并在国民经济中的比重日益提高,表现出越来越强大的竞争力和更为广阔的发展前景。中小企业成为推动整个经济繁荣成长的基本力量和后备资源,成为增加就业,稳定社会的重要保证,在国民经济中具有举足轻重不可替代的地位和作用。但是,中小企业的发展面临着机遇与挑战并存的现状。由于其自身因素和外部环境的影响,中小企业有其突显的弱点和不足,普遍存在产出规模小,资本积累和科技构成一般较低,管理经验相对不足,受市场和外部环境冲击的经营风险大,管 With the deepening of China’s reforms, SMEs have developed rapidly and have become increasingly important in the national economy. They have demonstrated greater and greater competitiveness and broader development prospects. SMEs have become the basic force and reserve resource for promoting the prosperity of the entire economy, and have become an important guarantee for increasing employment and stabilizing the society. They have played an important and irreplaceable role and role in the national economy. However, the development of SMEs faces the current situation of both opportunities and challenges. Due to its own factors and external environment, SMEs have their own weaknesses and deficiencies. There are generally small output scales, generally low capital accumulation and scientific and technological composition, relatively inadequate management experience, and business risks that are impacted by the market and the external environment. Large, tube