实践证明,完全依靠大型商业银行不能有效地解决中小企业对资金的需求,而中小银行与中小企业具有信息与交易成本相对对称的优势目前,中小企业生存难的具体原因除去财务、成本管理、缺乏现代企业制度、缺乏人才、技术水平有限等各种 Practice has proved that relying entirely on large commercial banks can not effectively solve the demand for funds for SMEs, and small and medium-sized banks and SMEs have the advantage of relatively symmetric information and transaction costs, the specific reasons for the survival of SMEs is difficult to remove the financial, cost management, lack of Modern enterprise system, lack of talent, limited technical level and other