不少人把中小企业融资视作迷途。商业银行更把以中小企业为服务对象的信贷称作“烫手山芋”,是“风险雷区”。在悲观情绪弥漫之际,我们似乎应该看到光明:国家出台的一系列政策,通过创新金融产品、拓展融资渠道、构建担保体系、推进信誉建设等措施,正努力缓解中小企业融资难;一些外资银行也正在把中小企业作为主攻 Many people treat SME financing as lost. Commercial banks refer to credit for SMEs as “hot potato” and “risk mined areas.” At a time of pessimism, we seem to see the light: a series of policies promulgated by the state are striving to ease the financing difficulties of SMEs through innovating new financial products, expanding financing channels, building a guarantee system and advancing credit building. Some foreign investors Banks are also focusing on SMEs