中小企业是国民经济的重要组成部分,对于缓解就业压力、促进经济持续平稳运行起到了重要的作用。然而中小企业在发展过程中却一直受缺乏资金的困扰。在经济繁荣时代,企业难以筹集发展资金而无法扩大生产规模;在经济发生危机时,企 Small and medium-sized enterprises are an important part of the national economy and have played an important role in easing employment pressure and promoting sustained and steady economic development. However, SMEs in the development process has been plagued by lack of funds. In an era of economic prosperity, it is difficult for enterprises to raise funds for development and can not expand their production scale. In times of economic crisis, enterprises