我国中小企业在成长过程中,常因为资金不足而陷入举步维艰的境地。由于这些中小企业资产规模小、风险高,信用记录差等难以获得银行贷款,使他们徘徊在生存与死亡的边缘。这种现象引起社会的关注。近年,在中国银行业监督管理委员会的指导下,各商业银行加大了对中小企业的扶持力度,不断创新扶持手段,相继 In the process of growing up, the small and medium-sized enterprises in our country often fall into a difficult situation due to lack of funds. Due to their small assets, high risk and poor credit records, these SMEs are hard-pressed to obtain bank loans, leaving them hovering on the verge of survival and death. This phenomenon has aroused the concern of the community. In recent years, with the guidance of China Banking Regulatory Commission, all commercial banks have stepped up their efforts to support small and medium-sized enterprises and have continuously innovated and supported such measures in succession