中小企业,尤其是小微企业融资难是一个世界性难题。由于我国金融结构存在先天性缺陷,而金融体系改革又相对滞后,这一问题尤为突出。近年来,从中央到地方的各级政府出台了一系列政策措施,鼓励、支持面向中小企业的融资创新活动,旨在缓解中小微企业融资难和融资贵问题。其中,江西省积极探索、大胆尝试,创造出的“财园信贷通”工业园区中小微企业融资模式,运作时间虽然不长,但已初显成效,闪现出多重亮点。目前看来,这一实践至少在以下三方面给人以启迪。第一,缓解中小微企业融资难、融资贵问题需要政府各部门和金融机构从思想上树立为中小微企业服务的大局观,通力合作、资源互补。在现行体制下,中小微企业融资是个复杂的社会问 SMEs, especially the financing of small and micro enterprises is a worldwide problem. This problem is particularly acute because of the inherent defects in China’s financial structure and the relatively lagging reform in the financial system. In recent years, a series of policies and measures have been promulgated by governments at all levels from the central government to local governments to encourage and support financing innovation activities for SMEs, and to alleviate the financing difficulties and financing problems of SMEs. Among them, Jiangxi Province has actively explored and boldly tried to create a financing model for small and medium-sized micro-enterprises in the “Industrial Credit Information” Industrial Park. Although its operating time is not long, it has shown initial success and many bright spots have emerged. It seems that this practice at least enlightens people in the following three areas. First, alleviating the financial difficulties and financing problems of small, medium and large-sized enterprises requires the overall situation of all government departments and financial institutions to serve the needs of small and medium-sized micro-enterprises ideologically, work together and complement each other’s resources. Under the current system, SME financing is a complex social issue