中小企业是我国经济的重要组成部分,如今已占GDP总额的51.8%,但中小企业“融资难”这一问题却成为了中小企业发展的瓶颈,使中小企业处于一个强位弱势的的尴尬境地。各国纷纷制定相应措施解决其融资难的问题,如欧洲的财政与资金结合支持政策、美国的市场导向型政策。因此,如何解决我国中小企业融资难,缓解中小企业资金压力已成为各界关注的热点问题。 Small and medium-sized enterprises are an important part of China’s economy and now account for 51.8% of the total GDP. However, the issue of “financing difficulties” for SMEs has become a bottleneck for the development of small and medium-sized enterprises, leaving SMEs in a strong position Embarrassing situation. Countries have formulated corresponding measures to solve their financing difficulties, such as Europe’s financial and financial support policies, the United States market-oriented policies. Therefore, how to solve the financing difficulties of SMEs in our country and alleviate the financial pressure on SMEs has become a hot issue of all walks of life.