中小企业的大量存在是经济发展的必然结果,也是吸收就业、增强市场活力的内在要求,而资金短缺一直是困扰中小企业发展的主要难题,究其原因则是融资渠道不顺畅。中小企业的发展离不开民间金融市场,所以,我国应该深化金融制度创新,大力发展民间金融市场,使之成为解决中小企业融资问题的有效途径。 The existence of large numbers of SMEs is an inevitable result of economic development as well as an inherent requirement of absorbing employment and boosting market vitality. However, the shortage of funds has always been a major problem plaguing the development of SMEs. The reason is that the financing channels are not smooth. Therefore, our country should deepen the innovation of the financial system and vigorously develop the private financial market, making it an effective way to solve the financing problem of the small and medium-sized enterprises.