中小企业具有推动经济增长、增加就业机会、促进市场繁荣、保持经济发展等优点，同时也因具有势单力薄、资源利用率较低等劣势而需要各方面的支持。目前，政府及金融界对中小企业问题高度重视，纷纷制定措施加以扶持，但是鉴于中小企业的特殊性与重要性，尚有一些问题需要深入 SMEs have the advantages of promoting economic growth, increasing employment opportunities, promoting market prosperity and maintaining economic development. At the same time, they also need support from all quarters due to their weaknesses and weak resource utilization. At present, the government and the financial community attach great importance to the problems of small and medium-sized enterprises and have all formulated measures to support them. However, given the particularities and importance of small and medium-sized enterprises, there are still some problems that require further