随着社会经济的发展,中小企业在我国国民经济中发挥着越来越重要的作用。截至2004年年底,我国中小企业数量已占企业总数的99.6%,创造了国内生产总值的58.5%,吸纳了城镇就业人数的75%以上,生产的商品占社会销售额的58.9%,货物出口额占68%左右,上缴税收占48.2%,发明的专利和研发的新产品分别占66%和82%。然而,中小企业所获得的金融资源与其在国民经济和社会发展中的地 With the development of social economy, SMEs are playing an increasingly important role in our national economy. By the end of 2004, the number of small and medium-sized enterprises in China had accounted for 99.6% of the total number of enterprises, 58.5% of GDP, and more than 75% of the employment in cities and towns, and 58.9% of the total social sales were produced. The goods were exported. The amount accounted for about 68%, taxes paid 48.2%, invention patents and R & D new products accounted for 66% and 82% respectively. However, the financial resources acquired by SMEs and their place in the national economy and social development