随着经济的发展,中小企业发挥的作用越来越重要,但国家对这些企业的支持却非常有限;在中小企业遇到的困难中,融资方面的困难是最严重的;在渣打银行首推无抵押小额贷款后,我国的商业银行纷纷效仿,这将为那些缺少资金但有发展机会的中小企业提供帮助。与此同时,从可持续的方面考略,如何克服中小企业自身的弱点、实现社会效益最大化,是本文思考和力求解决的问题。 With economic development, SMEs play an increasingly important role, but state support for these enterprises is very limited. Among the difficulties encountered by SMEs, financing difficulties are the most serious. At Standard Chartered Bank, the most important After the unsecured small loans, commercial banks in our country follow suit, which will help SMEs that lack the funds but have opportunities for development. At the same time, from the aspect of sustainable development, how to overcome the weaknesses of SMEs and maximize the social benefits are the problems that the paper thinks and seeks to solve.