一、导论中小企业融资难问题,一直是人们关注的问题。受到2008年金融危机冲击后,部分中小企业倒闭,这些倒闭的中小企业使得银行更为谨慎,在审批未倒闭企业贷款时,银行就会考虑得更多,未倒闭的中小企业要获得贷款就会变得更难或者更迟,这些企业又会出现资金周转困难、资金链又有可能断裂,从而又引发新的企业倒闭。如此恶性循环,中小企业的融资将会 I. Introduction The problem of financing for SMEs has always been a concern for the people. After the financial crisis in 2008, some SMEs closed down. These closed SMEs made the banks more cautious. When approving loans that have not been closed, the banks will consider more. SMEs that have not closed down will get loans Become more difficult or later, these enterprises will appear again in cash flow difficulties, the capital chain is likely to break, which in turn led to a new business failure. Such a vicious cycle, SME financing will be