目前我国中小企业资金供应失衡,中小企业融资98%依赖银行贷款等间接融资渠道,直接融资比例不到2%。而银行贷款通常主要提供流动资金以及固定资产更新资金,很少提供长期信贷,难以满足我国中小企业的融资需求。集合发债模式的引入,有效地拓宽 At present, the supply of funds for SMEs in China is unbalanced. 98% of SME financing depends on indirect financing channels such as bank loans, and the direct financing ratio is less than 2%. The bank loans are usually mainly to provide liquidity and capital renewal of fixed assets, rarely provide long-term credit, it is difficult to meet the financing needs of SMEs in our country. The introduction of the debt collection mode effectively broadens