改革开放以来，中小企业以惊人的速度发展，现已成为我国国民经济体系中的一个重要组成部分。然而，中小企业发展，需要一个良好的金融氛围。因此，金融部门灵活运用信贷政策，加强对中小企业的新型服务已成为当务之急。 1.完善组织体系。一要建立健全国有商业银行为中小企业 Since the reform and opening up, the development of SMEs at an alarming rate has now become an important part of China's national economic system. However, the development of SMEs needs a good financial climate. Therefore, it is imperative for the financial sector to flexibly apply credit policies and strengthen new services to SMEs. 1. Improve the organizational system. First, we must establish and improve the state-owned commercial banks for SMEs