改革开放解放了生产力,改变了中国经济结构,非公经济中的中小企业已发展成为我国社会主义市场经济的主体之一,但由于金融服务等方面的不足,中小企业,特别是小企业发展尤为困难。金融服务的明显欠缺是金融业忽视了市场的广阔性和经济发展的不平衡性,以及由此决定的对金融服务和产品需求的多层次 The reform and opening up has liberated the productive forces and changed China’s economic structure. Small and medium-sized enterprises in the non-public economy have developed into one of the main bodies of the socialist market economy in China. However, due to deficiencies in financial services, SMEs, especially small ones, have especially developed. difficult. The obvious deficiency of financial services is that the financial industry has neglected the breadth of the market and the unbalanced economic development, and the multiple levels of demand for financial services and products that have been determined as a result.