改革开放以来,中小企业得到迅速发展,成为国民经济中的一支重要力量并发挥着重大作用。然而,目前中小企业融资困难问题已成为中小企业发展中的首要难题。当前,中小企业面临的主要是融资难的问题,中小企业融资难、贷款难已经成为制约中小企业发展的瓶颈。 Since the reform and opening up, SMEs have been rapidly developed, becoming an important force in the national economy and playing a significant role. However, the current financing difficulties of SMEs have become the primary problem in the development of SMEs. At present, SMEs are mainly faced with the problem of financing difficulties. Financing of SMEs is difficult and the difficulty in providing loans has become a bottleneck restricting the development of SMEs.