中小企业被称为“最活跃的经济细胞”,在经济发展中发挥着举足轻重的作用。目前中小企业已占我国企业总数的99 %以上,其工业总产值、实现利税和出口总额分别占全国的60 %、40 %和60 %左右。然而,据统计,国有商业银行为中小企业提供的信贷资金仅占其信贷总额的38 %。融资难已成 Small and medium-sized enterprises are called “the most active economic cells” and play an important role in economic development. At present, SMEs account for more than 99% of the total number of enterprises in our country, and their industrial output value, realized profits and taxes and total exports account for 60%, 40% and 60% of the national total respectively. However, according to statistics, state-owned commercial banks provide credit funds for SMEs accounting for only 38% of their total credit. Financing has become difficult