“融资难”一直是制约我国中小企业发展的主要因素之一。由于存在着中小企业融资规模不经济、融资信贷配给不合理等问题,使得中小企业融资面临着严重的市场失效。为了有效地解决中小企业融资难的问题,大力发展民间金融,利用地方中小金融机构的信息成本优势,已经显得越来越重要了。 “Financing Difficulties” has been one of the main factors restricting the development of SMEs in our country. Due to the problems of uneconomical scale of financing for SMEs and unreasonable allocation of credit for financing, SME financing faces serious market failure. In order to effectively solve the problem of SME financing difficulties, it is more and more important to vigorously develop non-government finance and make use of the information cost advantages of local small and medium-sized financial institutions.