近年来,随着我国经济步入新常态,经济下行压力日趋加大,中小企业的生存和发展面临诸多困难。虽然在国家层面上推出了诸如减轻税负、简化行政审批程序、加强产业引导和政策扶持等一系列减负增效的措施,但是宏观经济层面上的用工成本激增、原材料价格上涨、外贸需求不足、社会消费不振等因素,加剧了中小企业生存和发展的困难。资金是企业发展的第一推动力,但中小企业在吸引资本投入、扩大资金供给方面有着先天不足,这已经成为制约 In recent years, as China’s economy has stepped into a new normal and economic downward pressure is on the rise, the survival and development of small and medium-sized enterprises are facing many difficulties. Although a series of measures have been introduced at the national level such as reducing tax burdens, simplifying administrative examination and approval procedures, and strengthening industrial guidance and policy support, a sharp increase in labor costs at the macroeconomic level, rising raw material prices, lack of demand for foreign trade, The sluggish social consumption and other factors have exacerbated the difficulties of SMEs in their survival and development. Capital is the first impetus for the development of enterprises, but SMEs have inherent deficiencies in attracting capital investment and expanding capital supply, which has become a constraint