从实际了解可知，中小企业仅靠内部融资来使企业发展壮大是远远不够的，必须

It can be seen from the actual understanding that it is far from enough for small and medium-sized enterprises to rely on internal financing to make enterprises grow and develop, and must rely on external financing. Compared with equity financing, companies are more keen to choose debt financing. Debt financing has two advantages: one is that it can be deducted before tax, and the other is that it can use financial leverage to measure whether the capital structure of the enterprise is reasonable. For banks, the operating risks of small and medium-sized enterprises are greater than those of large enterprises. Banks believe that the possibility of repaying loans to small and medium-sized enterprises is relatively small, and they are naturally reluctant to lend to small and medium-sized enterprises at the same interest rate. If SMEs want to obtain financing, they must pay higher interest rates and pay more costs, which is bound to hinder the development of SMEs.

From the actual understanding, it can be seen that it is far from enough for small and medium-sized enterprises to develop and grow only by relying on internal financing, and they must rely on external financing. Compared with equity financing, enterprises are more keen to choose debt financing. Debt financing has two advantages: one is that it can be deducted before tax, and the other is that it can use financial leverage to measure whether the capital structure of an enterprise is reasonable. For banks, the operational risk of small and medium-sized enterprises is greater than that of large enterprises. Banks believe that the possibility of receiving loans from small and medium-sized enterprises is relatively small, so they are naturally unwilling to lend to small and medium-sized enterprises at the same interest rate. If small and medium-sized enterprises want to obtain financing, they must pay higher interest rates and pay more costs, which is bound to hinder the development of small and medium-sized enterprises.

From the actual understanding, it can be seen that it is far from enough for small and medium-sized enterprises to rely solely on internal financing to make their enterprises grow and develop. They must rely on external financing. Compared with equity financing, enterprises are more keen to choose debt financing. Debt financing has two advantages: first, it can be deducted before tax; second, it can use financial leverage to measure whether the capital structure of an enterprise is reasonable. For banks, the operational risk of SMEs is greater than that of large enterprises. Banks think that the possibility of loans to SMEs is relatively small, so they are naturally reluctant to lend to SMEs at the same interest rate. If small and medium-sized enterprises want to get financing, they must pay higher interest rates and more costs, which will inevitably hinder their development.