国际金融危机爆发以来,长三角、珠三角地区大量中小企业停产甚至倒闭现象日益严重,中小企业发展问题备受关注。有一种普遍的观点认为影响中小企业发展的巨大瓶颈就是融资难题,认为罪魁祸首就是银行,不少企业也将这种积怨发泄到银行身上。事实上,中小企业融资难题受诸多方面因素 Since the outbreak of the international financial crisis, a large number of small and medium-sized enterprises in the Yangtze River Delta and Pearl River Delta have been stopped or even been brought to an end due to their growing scarcity. The development of small and medium-sized enterprises has drawn much attention. There is a general view that the huge bottleneck affecting the development of small and medium-sized enterprises is the financing problem, that the culprit is the bank, and many enterprises vent their grievances to the banks. In fact, SME financing problems are affected by many factors