我国中小企业对GDP的贡献率已达63%,对工业增加值的贡献率已达74%,中小企业在我国整个经济构成中所占的地位越来越重要。然而中小企业发展受到了资金的严重制约,不仅直接融资有困难,间接融资也很困难。为了落实党的十六大精神,发挥中小企业在实现小康进程中的重要作用,解决中小 The contribution rate of China's small and medium-sized enterprises to GDP has reached 63%, and the contribution rate to industrial added value has reached 74%. The position of SMEs in the entire economic composition of our country is increasingly important. However, the development of small and medium-sized enterprises has been severely constrained by funds. It is not only difficult to direct financing, but also indirect financing is very difficult. In order to implement the spirit of the 16th CPC National Congress and give play to the important role played by SMEs in realizing a well-off society,