目前中小企业融资难主要来自三个方面,即企业、银行和政府。原因之一:中小企业方面。中小企业财务管理和经营管理不规范,企业大多是以家族经营、合伙经营等方式发展起来的,许多中小企业产权单一、企业规模小、科技含量低,经营行为短 At present, financing difficulties for SMEs mainly come from three aspects: enterprises, banks and the government. One of the reasons: small and medium enterprises. SMEs financial management and management is not standardized, most enterprises are based on family management, partnership management and other means developed many single property rights of small and medium enterprises, small-scale enterprises, low-tech, business practices short