改革开放以来,特别是进入新世纪以来,我国中小企业不断发展壮大,已成为我国国民经济和社会发展的重要力量,在繁荣经济、增加就业、推动创新、改善民生等方面,发挥着越来越重要的作用。中小企业发展急需更全面的金融服务,特别是融资服务,孕育着巨大的市场机遇,发展 Since the reform and opening up, especially since the beginning of the new century, the constant development and expansion of China’s small and medium-sized enterprises have become an important force in the national economy and social development in our country. They have played an increasingly important role in boosting the economy, increasing employment, promoting innovation and improving people’s livelihood Important role. The urgent need for more comprehensive financial services for SMEs, especially for financing services, gives birth to huge market opportunities and development