经济下行的风险使得众多产业面临着调整的风险,而处于中国经济产业最为薄弱一环的中小企业,在经历金融危机的劫难之后,正因为资金困境而面临着生死危机的考验。中小企业融资问题是个世界难题。在我国,中小企业数量占企业总数的98%,为我国经济发展做出了巨大贡献。但长期以来,由于多方面原因,融资难一直困扰着中小企业的发展壮大,而2013年6月份“钱荒”的出现,更加剧了中小企业融资的困境。 The risk of economic downturn has caused many industries to face the risk of adjustment, and the SMEs that are the weakest link in China’s economic industry have faced the test of life and death crisis because of financial difficulties. The financing of SMEs is a world problem. In China, the number of small and medium-sized enterprises accounts for 98% of the total number of enterprises, which has made great contributions to China’s economic development. However, for a long time, due to various reasons, financing difficulties have been plaguing the development and expansion of SMEs, and the emergence of “money shortage” in June 2013 has further exacerbated the difficulties of SME financing.