at present,all levels of government policy support to SMEs problems of duplication of resources allocation,the coverage is too narrow,limited function to the small and medium-sized enterprise groups. From the practice of foreign countries, some developed countries through the establishment of policy oriented financial institutions for small and medium-sized enterprises to provide financial services,effectively boosting the growth and development of small and medium enterprises. Our present situation urgently needs to set up small and medium enterprise policy bank. The establishment of policy of small and medium enterprises in China bank the time is ripe.%目前,各级政府对中小企业的政策扶持存在资源重复配置、覆盖面过窄等问题,对中小企业群体来说作用有限。从国外的实践看,一些发达国家通过设立政策性金融机构专门为中小企业提供金融服务,有力地助推了中小企业的成长与发展。我国目前的经济形势迫切需要专门设立中小企业政策性银行,而设立中国中小企业政策性银行有3条道路可以选择。
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