中小企业是我国国民经济的重要组成部分,在我国经济社会发展中日益发挥着不可替代的作用。经过近几年的发展实践,我们看到了中小企业在得到长足发展的同时也凸显出诸多难题,其中融资问题就是制约 Small and medium-sized enterprises are an important part of our national economy and play an irreplaceable role in the economic and social development of our country. After the development and practice in recent years, we have seen that while SMEs have made considerable progress, many difficulties have also been highlighted. Among them, the issue of financing is the constraint