改革开放以来,我国中小企业发展迅速,已成为国民经济的重要组成部分,可以预见,随着经济的不断发展,中小企业的经济实力会进一步增强,规模会进一步扩大,其在国民经济中的地位和作用会更加重要。但不容忽视的是,目前中小企业的发展受内部和外部环境因素影响较大,特别是资金供给不足和筹措资金困难已使得许多中小企业举步维艰,成为制约中小企业发展的“瓶颈”。所以,解决中小企业筹措资金困难的问题已迫在眉睫。 一、企业筹资方式和中小企业筹资 Since the reform and opening up, the rapid development of SMEs in our country has become an important part of the national economy. It can be foreseen that as the economy continues to develop, the economic strength of SMEs will be further enhanced and its size will be further expanded. Its position in the national economy And the role will be more important. However, we can not ignore the fact that the current development of SMEs is greatly affected by internal and external environmental factors. In particular, the insufficient supply of funds and difficulties in raising funds have made many small and medium-sized enterprises struggling to become the “bottleneck” restricting the development of SMEs. Therefore, it is imminent to solve the problem of financing difficulties for SMEs. First, corporate financing and SME financing